Risk Management - Financial Institutions Group - Analyst

$90,000 - $120,000/Yr

JPMorgan Chase - Ny, NY

Full-time - Entry Level

Ny, NY

Credit Intermediation and Related Activities

About the position

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase 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 Financial Institutions Analyst within our Credit Risk team, you will employ your exceptional analytical abilities and credit industry knowledge to make informed credit decisions for a diverse client portfolio. You will work in collaboration with business teams to fulfill client credit requests, while maintaining a balance between risk and return for the Firm. Regular monitoring of your portfolio will be required to accurately assign risk ratings to clients and facilities, and you will be expected to uphold a strong culture of compliance at all times.

Responsibilities

• Communicate 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 comparisons.
• Assess creditworthiness of clients and recommending appropriate credit ratings.
• Assess the ability of cash flows or market value of assets/collateral to repay debt.
• Describe concisely the structure and terms of products and analyze related risk metrics.
• Monitor, investigate, and escalate risk metrics associated with client activity.
• Attend on-site or remote client diligence meetings.
• Process transactions and annual reviews in JPM's credit system by coordinating with middle office and business partners.
• Prepare and present periodic portfolio reviews to senior credit executives and colleagues in the business.

Requirements

• Highly motivated with a natural passion to learn and an inquisitive personality.
• Strong interpersonal skills, and an ability to work well in a team environment.
• Strong sense of accountability and ownership of tasks.
• Strong verbal and written communication skills.
• Capable of understanding, describing and debating complex concepts.
• Ability to prioritize among competing projects and deliver work in a timely manner.
• Highly proficient in Excel, PowerPoint and Word software.

Nice-to-haves

• Minimum 2 years' experience in Insurance underwriting, or comparable experience.
• Completion of a bank's formal credit training program.
• Corporate finance and accounting coursework.