Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Credit Risk Analyst on the Commercial and Investment Bank - Insurance Credit Risk Team, you will develop the analytical skills needed to evaluate, assess and document client creditworthiness of a portfolio of insurance companies as well as structure and negotiate new transactions/requests.  In this role, you will play a part in leading the credit origination and portfolio management of the companies covered by the Insurance team. You will work in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets and many other product partners across JPMorgan Chase.  

Job responsibilities 

Assign a portfolio of clients with responsibility for performing ongoing credit analysis and client exposure managementDevelop a well-informed forward looking credit view of your client’s business and JPMorgan’s activity by staying current on industry trends, client’s financial performance, and capital markets needsCommunicate your view by preparing and presenting credit approval memos in connection with credit origination and renewals. Perform financial analysis including stress testing, projections and peer comparisonsAssess creditworthiness of clients and recommending appropriate credit ratingsAssess the ability of cash flows or market value of assets/collateral to repay debtDescribe concisely the structure and terms of products and analyze related risk metricsMonitor, investigate, and escalate risk metrics associated with client activityAttend on-site or remote client diligence meetingsProcess transactions and annual reviews in JPM’s credit system by coordinating with middle office and business partnersPrepare and present periodic portfolio reviews to senior credit executives and business partners

Required Qualifications, Capabiliites and Skills 

Highly motivated with a natural passion to learn and an inquisitive personalityStrong interpersonal skills, and an ability to work well in a team environmentStrong sense of accountability and ownership of tasksStrong verbal and written communication skillsCapable of understanding, describing and debating complex conceptsAbility to prioritize among competing projects and deliver work in a timely mannerHighly proficient in Excel, PowerPoint and Word softwareKnowledge of and familiarity with financial statements and accounting

Preferred Qualifications, Capabiliites and Skills 

Minimum 1 year of experience in credit risk analysis (preferably Financial Institutions or Insurance)Completion of a bank’s formal credit training programCorporate finance and accounting coursework