Wholesale Credit Risk – EMEA – Consumer, Healthcare & Retail – Associate
Associate role in the Consumer, Healthcare & Retail team within Wholesale Credit Risk EMEA covering clients for the Corporate & Investment Bank and Commercial Bank. You will work closely with business partners across the region including Debt Capital Markets, Acquisition and Leveraged Finance, M&A, Corporate Bank, Markets, Treasury Services and Trade Finance. Given the broad sector and client base covered, the team is focused on performing credit analysis on Investment Grade and Non-Investment Grade clients as well as structuring and documenting a wide variety of credit products. The role will benefit from flexible work arrangements, including work-from-home and office rotations.
Strong credit analysis skills. The candidate will be able to lead in-depth due diligence processes and coordinate and produce concise and insightful credit memos with clear recommendations, which will be the basis on which credit decisions are made.
Excellent financial modeling skills. The candidate will be able to challenge industry teams on modelling assumptions and be able to understand key conclusions and devise appropriate downside scenarios.
Familiarity with, and a basic understanding of, loan documentation, including LMA standard and leveraged finance documents and key ISDA/CSA documentation. The candidate should demonstrate an ability to negotiate and prioritize various documentation terms and show and ability to understand transaction structures.
Close working relationships at senior levels with a variety of areas within the Corporate & Investment Bank and CCBSI, including Coverage/GCB/CB, product specialists (DCM, LF, Trade, TSS), Markets (Derivative Sales), Capital Markets and M&A.
Regular liaison with Primary Credit Officers and Senior Credit Officers
Prime responsibility for the pro-active management of exposure to a portfolio of names and industry sectors.
Understanding of J.P. Morgan’s Risk management policies and related interactions with various stakeholders (including Regulators and Auditors). Coaching and development of junior team members to bring them up the curve, both on the job and through trainings.
Required qualifications, capabilities, and skills
Must demonstrate first rate analytical and credit skills/judgment, with an intensive ‘hands on’ approach to digging into the details of credit and structure.
First rate project management skills and demonstrable end to end ownership of work/projects.
Be able to establish credibility and trust with clients, internal business partners, product specialists and credit officers, and to partner with them effectively.
Proven coaching and development ability towards more junior colleagues.
Self-starting, result-driven, multi-tasking, risk-reward mindset and adaptable to change given the dynamic nature and timing of workflow.
Significant experience (at least 2-3 years) in roles with relevant skills for this position.
Previous experience of reviewing and commenting on loan documentation/core corporate derivative documentation is recommended.
Excellent communication skills (both written and verbal).
JPMorgan Chase & Co., 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. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.
ABOUT THE TEAM
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. We also take great pride in on our commitment to operating with integrity and discipline in all that we do. If you are a team player, are solutions-oriented and have an appetite for learning, you’ll be a great fit for our team.