Commercial & Investment Bank Risk Analyst

Aumni; Houston (TX); On-site; USD 120,000 - 180,000; Full time

Benefits offered by this job

Health care coverage

On-site wellness centers

Retirement savings plan

Tuition reimbursement

Job summary

JPMorgan Chase & Co. is seeking a Credit Risk Analyst within Wholesale Credit Risk to assess and monitor a diverse energy portfolio in North America. You will analyze financial statements, build models, and contribute to credit decisions while collaborating with coverage and product groups.

The role emphasizes robust risk management, integrity in decision making, and a balanced view of risk and return across lending and derivatives. Equity compensation and benefits are part of the package.

Qualifications

• Bachelor’s degree or equivalent with strong interest in Finance / Economics.
• Strong understanding of accounting and financial statements.
• Outstanding verbal and written communication.
• Ability to work well in a team.

Responsibilities

• Perform comprehensive financial analysis to support lending and trading approvals.
• Build financial and valuation models with operating and cash flow assumptions.
• Prepare credit approval documents with financial trend analysis.
• Develop forward-looking views on company and energy sector fundamentals.

Skills

Analytical skills

Excel proficiency

Communication skills

Team-oriented

Education

Bachelor's degree in Finance/Economics

Tools

Excel

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers and communities.

As a Credit Risk Analyst in J.P. Morgan’s Wholesale Credit Risk team, you will have the opportunity to utilize your 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, while ensuring a balance between risk and return for the Firm. You will be responsible for monitoring your portfolio, assigning accurate risk ratings to clients and facilities, and maintaining a robust culture of compliance. Your role will be pivotal in assessing, permitting, and managing credit and counterparty risks on various bases. You will be part of a team that values independence and integrity in decision-making, and you will have the chance to work closely with coverage and product groups to support business needs. The role is part of the Energy team that covers Investment Grade and High Yield Oil & Gas, Power, Utilities and Renewable counterparties based in North America.

Job 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.

Required qualifications, capabilities, and skills

• 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

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

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. Analyze financial statements, perform discounted cash flow valuations, assess credit risk, and support lending decisions