JPMorgan Risk Management - Asset Wealth Analyst 

United States, California, San Francisco 

837332104

As a Risk Management - Asset Wealth Management Analyst within our dynamic team, you will be responsible for assessing and managing credit and counterparty risks across various industries, clients, geographic locations, and transactions. Your role will involve identifying, measuring, limiting, managing, and monitoring credit risk across our various business operations. You will handle credit exposure that arises from underwriting, lending, and trading activities with our clients and counterparties, as well as from a variety of operational services such as cash management and clearing activities. Your primary focus will be to mitigate the risk of loss that could arise from the default of a client or counterparty.

Job Responsibilities

• Evaluate consumer and business purpose credit requests utilizing applicable Credit Risk Policies and Guidelines.
• Analyze individual and business/entity financial statements, public information sources, individual credit reports, and other relevant information to calculate cash flow and balance sheet ratios. Individual will utilize these ratios and evaluate other qualitative factors to determine a client’s risk of default following J.P. Morgan Wholesale Risk Grading Methodology to comply with Basel III standards for regulatory risk grading requirements.
• Complete an analysis of the collateral and/or loan covenants/ events of default to determine the potential loss in a default situation.
• Engage in regular dialogue with Front Office to obtain required information critical to making a loan decision. Individual will negotiate loan structure and terms when necessary, and will provide alternative solutions when appropriate.
• Escalate credit issues to Credit Executive and provide solution(s) and/or next steps for resolution.
• Provide feedback on, and recommend enhancements to existing processes and procedures to enhance controls and efficiency.
• Demonstrate ability to work with individuals at all levels in the organization and contribute to the strategic direction of the firm and the team

Required qualifications, skills and capabilities

• Bachelor's degree required
• 1 plus years of relevant experience.
• Possess strong computer skills including Microsoft Excel Microsoft Word and PowerPoint. .
• Strong analytical and organizational skills.

Preferred qualifications, skills and capabilities

• Bachelor's degree required; Finance, Accounting, Economics, Business Management or STEM related degree preferred.
• Completion of a major bank credit-training program preferred.
• Candidates with fluency in Spanish, Portuguese, Mandarin or other languages frequently used by our Global clients will be given strong consideration