What are the responsibilities and job description for the Risk Management - Diversified Industries - Credit Risk Analyst position at JPMorgan Chase?
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.
As a Credit Risk Analyst within the Wholesale Credit Risk Diversified Industries team, you will play a part in leading the credit origination and portfolio management of investment grade companies covered by the Diversified Industries team. You will engage in the structuring and underwriting of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring and perform on-going portfolio monitoring. In each capacity, the Credit team works in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets and many other product partners to meet the needs of clients. You will develop a broad and deep understanding of the business, financial, competitive and industry risks faced by clients in the assigned portfolio.
Job Responsibilities
- Identify the key risk factors associated with clients, transactions and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors.
- Prepare and present quarterly financial snapshot of the Diversified Industries portfolio, as well as annual portfolio review materials to senior management.
- Work closely with the team’s Credit Executive and Analysts and Associates on the team.
- Work closely with our middle office and data teams to ensure accuracy of credit system data.
- Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations.
- Lead and/or participate in client due diligence by way of attending client, bank, and other meetings to develop a better understanding of client companies, management teams, and industry sectors, and using financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment.
- Apply corporate finance and accounting expertise to develop appropriate financing structures, and prepare and review credit approval materials and annual review reports, ensuring all credit risk policies are followed.
- Review legal documentation to ensure terms are appropriate and consistent with credit approval as well as to advance your knowledge and understanding of complex legal concepts related to corporate finance.
Required Qualifications, Skills and Capabilities
- Bachelor’s degree
- Solid understanding of financial products, corporate finance and market dynamics
- Knowledge of and familiarity with financial statements and accounting
- Excellent communication skills, both verbal and written
Preferred Qualifications, Skills and Capabilities
- Prior experience in commercial/investment banking, especially within a credit, structuring and/or marketing focus
- Ability to effectively present analysis and interact with key stakeholders
- Capability to perform due diligence and effectively summarize findings
- Comfort with client-facing activities and communication
- Ability to perform well under pressure in a demanding environment
- Effective time management skills and ability to manage multiple tasks at the same time
