Commercial and Investment Bank - Credit Risk Analyst

About the role

As a Credit Risk Analyst in J.P. Morgan’s Wholesale Credit Risk team, you will utilize analytical skills and credit industry knowledge to make informed credit decisions for a diverse portfolio of clients. You will collaborate with various teams to meet client credit requests while balancing risk and return for the firm. The role focuses on monitoring the portfolio, assigning accurate risk ratings, and maintaining a robust culture of compliance. Primary responsibility is the Utilities Portfolio, within a broader Energy team covering Investment Grade and High Yield Oil & Gas, Power & Utilities, and Renewable counterparties in North America.

Responsibilities

• Perform comprehensive credit analysis to support approvals for lending and trading transactions, including operating exposures, working independently and within deal teams.
• Create written credit approval documents, which include spreading and analyzing historical financial statements and preparing cash‑flow projections for large corporate borrowers.
• Develop well‑supported, forward‑looking views on company and energy‑sector fundamentals, including business drivers, financial performance, and key risk factors.
• Manage and continuously monitor a diversified portfolio of client credit exposures across energy industry subsectors, ensuring proactive risk management.
• Participate in negotiating, finalizing, and executing documentation for loans and derivatives.
• Assign and periodically review internal risk ratings, and maintain up‑to‑date credit research across the client portfolio.
• Collaborate with Investment Banking Coverage, Global Corporate Banking, and other product groups on allocation of capital for clients; maintain threshold and industry limits.

Required Qualifications

• Bachelor’s degree or equivalent with a strong interest in finance or economics.
• Outstanding verbal and written communication, along with strong interpersonal skills.

Preferred Qualifications

• Academic training in the principles of accounting, corporate finance, capital‑markets products, and macroeconomics.
• Ability to work well in a team environment.
• Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word.

About JPMorgan Chase

JPMorgan Chase, 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. With a history spanning over 200 years, the firm is a leader in investment banking, consumer and small‑business banking, commercial banking, financial transaction processing, and asset management.

Benefits

Comprehensive health‑care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental‑health support, financial coaching, and additional programs based on eligibility.

Pay

Competitive total‑rewards package including a base salary determined by role, experience, skill set, and location. Eligible roles may receive commission‑based pay and/or discretionary incentive compensation paid in cash and/or forfeitable equity.