Commercial & Investment Bank Risk Analyst, Paris

JPMorgan Chase & Co.; Paris; Sur place; EUR 70 000 - 90 000; Plein temps

Résumé du poste

JPMorgan Chase & Co. in Paris is seeking an Analyst to join the EMEA Diversified Industries Credit Risk team. You will analyze credit risk for investment grade and non-investment grade corporate borrowers and collaborate with front office to structure credit relationships.

You will cover a portfolio across sectors, monitor financial performance, assess covenant compliance, and assist in due diligence for onboarding new clients, including preparing models and recommendations.

Qualifications

• Ability to navigate and interpret corporate financial statements (Balance Sheet, P&L, CF).
• Familiarity with cash flow modelling and valuation methods (including DCFs).
• Broad understanding of macroeconomic and sector factors affecting corporates and leveraged finance borrowers.
• Basic knowledge of lending, capital markets, and derivatives products; familiarity with leveraged finance and covenant structures.
• Ability to establish credibility and trust with internal business partners and credit officers.
• Good communication skills, both verbal and written, with decision-oriented analysis.
• Expertise with MS Office products, including Excel, PowerPoint, and Word.
• Self-starting and capable of multitasking, with adaptability to change.
• Ability to efficiently work and engage with colleagues and stakeholders across geographies,including London, Frankfurt, Paris and Mumbai.

Responsabilités

• Assume coverage of a portfolio of EMEA corporate clients across diversified sectors and review credit risk exposures.
• Track financial performance updates, liquidity and covenant compliance, and other developments impacting the portfolio.
• Monitor risk and exposure metrics across counterparties and the portfolio; contribute to sector analyses.
• Participate in due diligence for onboarding new EMEA clients and reviewing existing ones, including modeling and debt capacity.
• Produce concise analyses and recommendations for facilities, limits, tenor, covenants, collateral and inter creditor arrangements.
• Support analysis and approval processes for leveraged finance and lending requests (RCFs, term loans, bonds).
• Develop knowledge of legal documentation for corporate markets and banking products.
• Participate in team projects to improve processes and drive efficiencies, leveraging AI / LLM.

Connaissances

Financial statement analysis

Cash flow modelling

Credit risk concepts

MS Office (Excel, PowerPoint, Word)

Communication

Formation

Finance / Economics degree

Outils

MS Office

Description du poste

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work as an Analyst in our EMEA Diversified Industries Credit Risk team. You will collaborate closely with business partners across the region, including Global Corporate Banking, Leveraged Finance and Syndicate, Debt Capital Markets, Sales and Trading, Treasury Services, and Trade Finance. You will conduct comprehensive credit analysis of both Investment Grade and Non‑Investment Grade corporate borrowers, including sponsor‑backed leveraged finance issuers, and work with front office teams to structure a diverse range of credit relationships.

Job Responsibilities:

• Assume coverage of a portfolio of EMEA corporate clients across diversified sectors (e.g., Business services, Machinery & Equipment, Transportation, Auto, Airlines, Aerospace & Defence), including grading and reviewing credit risk exposures.
• Track financial performance updates, earnings events, liquidity and covenant compliance, and other developments impacting the assigned portfolio.
• Monitor risk and exposure metrics across counterparties and the portfolio, contributing to sector analyses and early‑warning assessments.
• Participate in due diligence processes for onboarding new EMEA clients (both mid and large Caps) and reviewing existing ones, including preparation and analysis of business models, cash flow generation, debt capacity, and refinancing risk.
• Produce concise and insightful analysis, articulating recommendations for facilities, limits, tenor, covenants, collateral/security, and inter creditor arrangements.
• Support analysis and approval processes for leveraged finance and lending requests, including RCFs, term loans and bond transactions.
• Develop knowledge of legal documentation for corporate markets and banking products, including credit agreements, bond indentures, inter creditor agreements, and security and guarantee packages.
• Participate in team and department‑level projects to improve processes and drive efficiencies, leveraging AI / LLM.

Required Qualifications, Capabilities, and Skills:

• Ability to navigate and interpret corporate financial statements (Balance Sheet, P&L, CF).
• Familiarity with cash flow modelling and valuation methods (including DCFs).
• Broad understanding of macroeconomic and sector factors affecting corporates and leveraged finance borrowers.
• Basic knowledge of lending, capital markets, and derivatives products; familiarity with leveraged finance and covenant structures.
• Ability to establish credibility and trust with internal business partners and credit officers.
• Good communication skills, both verbal and written, with decision‑oriented analysis.
• Expertise with MS Office products, including Excel, PowerPoint, and Word.
• Self‑starting and capable of multitasking, with adaptability to change.
• Ability to efficiently work and engage with colleagues and stakeholders across geographies,including London, Frankfurt, Paris and Mumbai.

Preferred Qualifications, Capabilities, and Skills:

• Previous experience in a Credit Risk department or leveraged finance underwriting, including skills in cash flow modelling and financial analysis.
• Familiarity with corporate business models, sponsor dynamics, and covenant packages.
• Knowledge of a second European language (French, German, Italian, Spanish) or working towards / having a professional certification (e.g. CFA, FRM) are considered a plus.
• Degree in Finance, Accounting, Economics or STEM subjects preferred (other subjects also considered).