Credit Risk Analyst

**JOB DESCRIPTION**
Join J.P. Morgan’s Wholesale Banking business and help drive credit risk management for a diverse portfolio of clients. As a Wholesale Credit Risk Analyst, you’ll leverage your analytical skills and industry knowledge to support credit recommendations and contribute to innovation and efficiency improvements. We value motivated, inquisitive professionals who thrive in collaborative environments and are passionate about making an impact.

As a Wholesale Credit Risk Analyst, you will assess, permission, and manage credit and counterparty risks for a portfolio of municipal governments, not-for-profit healthcare, and higher education organizations in the United States. You will work closely with industry, coverage, and product teams to support business needs, conduct credit analysis, and create credit approval documents. Your role will contribute to the team’s success by supporting innovation and continuous improvement.

**Responsibilities**:

- Conduct credit analysis and support deal teams in seeking approval for lending and trading-related transactions, including operating exposures
- Create written credit approval documents, including the spreading and presentation of historical financial statement information and related financial analysis
- Develop a well-informed and forward-looking view of business, financial, and competitive risks for organizations and their sectors, and assess risk ratings
- Take ownership of special projects and provide creative suggestions to enhance output
- Help drive and support innovation and continuous efficiency improvements
- Collaborate with coverage and product groups to support business needs
- Communicate findings and recommendations effectively to stakeholders
- Maintain high standards of accuracy and compliance in all credit risk activities

**Required Qualifications, Capabilities, and Skills**
- Bachelor’s degree in Economics, Finance, or related field
- Advanced English proficiency
- Academic training in accounting principles, corporate finance, capital markets products, and macroeconomics
- Strong analytical and financial assessment abilities
- Outstanding verbal and written communication skills, with strong interpersonal skills
- Exceptional work ethic and motivation to learn
- Inquisitive personality with a passion for continuous improvement
- Ability to work effectively in a team environment
- Capable of understanding, describing, and debating complex concepts
- Proficiency in Microsoft Office Suite, especially Excel, PowerPoint, and Word

**Preferred Qualifications, Capabilities, and Skills**
- Experience in credit analysis or underwriting
- Familiarity with municipal, healthcare, or higher education sectors
- Proven ability to drive process improvements
- Experience working in multinational organizations
- Commitment to accuracy and compliance

**ABOUT US**

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.

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.