EMEA Credit Risk Analyst - Diversified Industries

Aumni; Greater London; Hybrid; GBP 70,000 - 90,000; Full time

Job summary

J.P. Morgan in Europe seeks an Analyst to perform credit risk analysis for a diversified set of corporate borrowers across EMEA.

You will work with front office partners to assess cash flow, debt capacity, and risk, contributing to structured financing solutions and risk management. You will cover sectors like Business services, Machinery, Transportation, airlines, and defense, prepare concise memos, support due diligence, and develop knowledge of loan agreements and security packages while

Qualifications

• Ability to navigate and interpret corporate financial statements (Balance Sheet, P&L, CF).
• Familiarity with cashflow 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.

Responsibilities

• Perform credit analysis of corporate borrowers across EMEA sectors and assess risk exposures.
• Track financial performance updates, earnings events, liquidity and covenant compliance.
• Monitor risk and exposure metrics and contribute to sector analyses.
• Participate in due diligence for onboarding new clients and review existing ones.

Skills

Financial statements

Cashflow modelling

Macro factors

Lending knowledge

Communication skills

MS Office

Multitasking

Cross-geography collaboration

Education

Finance/Economics degree

CFA/FRM or related certification

Tools

MS Office Suite

Job description

Join a team that helps shape financing decisions for leading companies across Europe. You'll gain exposure to a broad range of industries, products, and transactions while working alongside experienced credit and banking professionals. This role offers the opportunity to develop deep credit expertise, influence key risk decisions, and build relationships across multiple lines of business. Bring your analytical skills and curiosity to a team where your insights can make a meaningful impact.

As an Analyst in the 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 credit memos, articulating recommendations for facilities, limits, tenor, covenants, collateral/security, and intercreditor 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, intercreditor 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 cashflow 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.
• Familiarity with corporate business models, sponsor dynamics, and covenant packages.
• Degree in Finance, Accounting, Economics, Mathematics or STEM subjects preferred (but not required).
• 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.

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. Conduct credit analysis of corporate clients and help structure complex financing solutions across EMEA industries.