Credit Analyst

Job Description
Join our Wealth Management team and help shape the financial futures of high net worth clients. You will play a key role in delivering innovative credit solutions, collaborating with talented professionals, and supporting our commitment to excellence and client service. At J.P. Morgan, you will have opportunities for growth, learning, and making a meaningful impact in a supportive and inclusive culture.
As a Credit Analyst, you will evaluate and manage credit requests for high net worth and ultra-high net worth clients. You will analyze financial statements, assess risk, and recommend solutions that meet client needs while maintaining the firm's risk standards. Your expertise will help drive business growth and ensure prudent risk management. You will work closely with front office teams and contribute to process improvements and team development.
Job Responsibilities:

• Evaluate consumer and business credit requests using Credit Risk Policies and Guidelines.
• Analyze financial statements, credit reports, and public information to assess client risk.
• Calculate cash flow and balance sheet ratios to determine risk of default.
• Assess collateral, loan covenants, and potential loss scenarios.
• Identify and clearly articulate risks and mitigating factors for each credit request.
• Recommend actions with clear, concise rationale.
• Understand and communicate geo-political and jurisdictional risks for clients.
• Collaborate with front office to gather information and negotiate loan terms.
• Escalate credit issues and provide solutions to senior management.
• Manage credit portfolios and ensure timely escalation of risk concerns.
• Mentor less experienced analysts and support partners.

Required qualifications, capabilities, and skills:

• Postgraduate degree in Finance, Accounting, Economics, or Business Management.
• Strong computer skills, including Microsoft Excel, Word, and PowerPoint.
• Excellent analytical, organizational, and problem-solving abilities.
• Strong communication skills and attention to detail.
• Ability to collaborate with colleagues at all levels.
• Commitment to customer service and teamwork.
• Ability to work in a high-volume, fast-paced environment.
• Proven ability to meet or exceed targets for volume, timing, and quality.
• Experience in credit analysis or risk management.
• Knowledge of regulatory standards and risk grading methodologies.
• High level of integrity and professionalism.

Preferred qualifications, capabilities, and skills:

• Experience with securities-based and specialty lending solutions.
• Familiarity with Basel III standards and regulatory requirements.
• Advanced proficiency in financial modeling and analysis.
• Experience mentoring or training team members.
• Strong project management skills.
• Ability to drive process improvements.
• Knowledge of wealth management products and services.

About Us
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.
About the Team
J.P. Morgan Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.