Commercial & Investment Bank Risk Analyst, Paris

Next Frontier Capital; Paris; Hybride; EUR 85 000 - 130 000; Plein temps

Résumé du poste

J.P. Morgan 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 borrowers, work with front office teams, and structure diverse credit relationships across regions.

You will cover diverse sectors, track earnings and liquidity, monitor risk metrics, and support onboarding of new clients with due diligence and credit analysis. Strong MS Office skills and global collaboration are essential.

Qualifications

• Ability to interpret balance sheets, income statements and cash flow.
• Familiarity with cash flow modelling and valuation methods, incl. DCF.
• Broad understanding of macroeconomic factors affecting corporates.
• Knowledge of lending, capital markets and derivatives; covenant structures.
• Ability to build credibility with internal partners and credit officers.
• Clear verbal and written communication for decision support.
• Proficiency with MS Office: Excel, PowerPoint and Word.
• Self-starter, multitasker, adaptable to change.
• Collaborate across geography including London, Frankfurt, Paris, Mumbai.

Responsabilités

• Assume coverage of a portfolio of EMEA corporate clients across diversified sectors.
• Track financial performance, earnings, liquidity and covenant compliance.
• Monitor risk metrics and contribute to sector analyses and early warnings.
• Participate in due diligence for onboarding new EMEA clients and review existing ones.
• Prepare and analyze business models, cash flow generation, debt capacity and refinancing risk.
• Produce concise analysis with recommendations for facilities, limits, tenor, covenants, collateral and inter creditor arrangements.
• Support analysis and approval for leveraged finance and lending requests (RCFs, term loans, bonds).
• Develop knowledge of legal documentation for corporate markets and banking products.
• Participate in projects to improve processes and drive efficiencies using AI/LLM.

Connaissances

Financial statements analysis

Cash flow modelling

Macro factors awareness

Lending & capital markets knowledge

Credibility with partners

Strong communication skills

MS Office suite (Excel, PowerPoint, WP

Formation

Degree in Finance/Accounting/Economics or STEM

Outils

Excel

PowerPoint

Word

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).

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.

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. Credit analyst in EMEA Corporate Diversified Industries team.