CB Credit Risk Associate

JOB DESCRIPTION

The Credit Risk Associate will be responsible for conducting in-depth credit risk analysis of corporate clients within the Underwriting Center team for the Commercial Banking division, supporting North America. The role involves preparing credit analysis reports, recommending risk grades, and collaborating closely with underwriters and credit executives to ensure robust risk management for middle market client.

Key Responsibilities

• Independently prepare comprehensive credit risk analysis reports for assigned clients, focusing on business and financial analysis for middle market clients (exposure less than $55mm).
• Recommend rating grades based on detailed analysis.
• Review and quality check work delivered by junior analysts, ensuring adherence to credit analysis standards and methodologies.
• Analyze financial statements, credit history, management, financial adjustments, and firm's credit-related policies.
• Develop and maintain strong communication with underwriters and credit executives; lead calls and discussions regarding client ratings.
• Build and maintain strong knowledge of credit analysis techniques, sector trends, and global economic factors.
• Manage stakeholder relationships, ensuring open communication channels with credit officers and executives.

Required Qualifications

• MBA (Finance specialization) or Chartered Accountant (CA).
• 4–5 years of experience in credit risk analysis.
• Excellent academic record with proven experience in credit risk.
• Strong understanding of corporate finance concepts and their practical application.
• Proficient in analyzing financial statements, including ratio analysis, cash flow analysis, and accounting standards.
• Strong communication skills (oral and written), with the ability to present analysis and interact with global credit bankers.
• Proficient in MS Word, Excel, and PowerPoint.
• Deadline-oriented with strong attention to detail and accuracy.
• Ability to work proactively and independently, as well as collaboratively within a team.

Preferred Qualifications

• Experience working with global credit bankers or in a multinational environment.
• Aptitude for learning and developing knowledge in credit analysis techniques, sector trends, and global economies.

ABOUT US

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.