Commercial & Investment Bank 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 industry knowledge to make informed credit decisions for a diverse portfolio of clients. You will collaborate with various teams to meet client credit requests, ensuring a balance between risk and return for the Firm. Your role will be pivotal in assessing, permitting, and managing credit and counterparty risks. This role is part of the Energy team covering Investment Grade and High Yield Oil & Gas, Power, Utilities, and Renewable counterparties based in North America.

Key Responsibilities

• Perform comprehensive financial analysis to support approvals for lending and trading transactions, working independently and within deal teams.
• Build financial and valuation models by developing well-supported operating and cash flow assumptions, performing discounted cash flow analyses, constructing management, credit, and downside cases, and assessing liquidity, leverage, debt service capacity, enterprise value, and repayment under a range of scenarios.
• Prepare written credit approval documents by spreading and analyzing historical financial statements, understanding underlying account activity and financial trends, identifying key adjustments and anomalies.
• 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 the negotiation, finalization, and execution of 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, Syndicated Leveraged Finance, and other product groups on allocation of capital for clients; maintain threshold and industry limits.

Requirements & Tech Stack

• Bachelor's degree or equivalent with strong interest in Finance / Economics
• Strong understanding of accounting principles and financial statements, including the ability to analyze the income statement, balance sheet, cash flow statement, and relationships among them
• Outstanding verbal and written communication, along with strong interpersonal skills
• Ability to work well in a team environment
• Proficiency in Microsoft Excel