Diversified Industries Credit Risk Analyst
J.P. Morgan
Are you ready to make an impact in a dynamic, global environment? As part of our EMEA Diversified Industries Credit Risk team, you’ll play a key role in shaping credit decisions for leading corporates across multiple sectors. Collaborate with business partners and front office teams to deliver insightful analysis and drive business outcomes. This is your opportunity to develop deep expertise in credit risk, work on high-profile transactions, and grow your career in a supportive, inclusive team. Join us and help power the future of corporate banking.
As a Diversified Industries Credit Risk Analyst in the EMEA Diversified Industries Credit Risk team, you will collaborate with colleagues across the region to assess and manage credit risk for a broad range of corporate clients. You will work closely with business partners to structure credit relationships and deliver high-quality analysis. In this role, you will have the opportunity to develop your technical skills, contribute to impactful projects, and build relationships across our global network. Together, we drive responsible growth and support our clients’ ambitions.
Job responsibilities
- Manage a portfolio of EMEA corporate clients across diversified sectors, grading and reviewing credit risk exposures.
- Track financial performance, earnings events, liquidity, and covenant compliance for assigned clients.
- Monitor risk and exposure metrics, contributing to sector analysis and early-warning assessments.
- Participate in due diligence for onboarding and reviewing clients, analyzing business models, cash flow, and refinancing risk.
- Produce concise credit memos with recommendations on facilities, limits, covenants, and collateral.
- Support analysis and approval of leveraged finance and lending requests, including RCFs, term loans, and bonds.
- Develop knowledge of legal documentation for corporate markets and banking products.
- Participate in team and department projects to improve processes and drive efficiencies using AI and LLM.
- Collaborate with internal business partners and credit officers to deliver decision-oriented analysis.
Required qualifications, capabilities, and skills
- Ability to interpret corporate financial statements, including balance sheet, P&L, and cash flow.
- 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, including leveraged finance and covenant structures.
- Strong credibility and trust-building skills with internal partners and credit officers.
- Effective verbal and written communication skills with a focus on decision-oriented analysis.
- Proficiency with MS Office products, including Excel, PowerPoint, and Word.
- Self-starter with multitasking ability and adaptability to change.
- Degree in Finance, Accounting, Economics, STEM, or other relevant subjects.
- Ability to 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, with 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 progress toward/possession of a professional certification (e.g., CFA, FRM).
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.
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.
Join our EMEA Diversified Industries Credit Risk team to analyze and manage credit risk for a diverse portfolio of corporate clients.
