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JPMorgan Risk Management - Public Finance Senior Associate United States, New York, New York 166330104
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As a Public Finance Associate within the Wholesale Credit Risk organization, you will be directly involved in direct lending transactions and portfolio management. Your responsibilities will include analyzing financial statements, keeping abreast of industry changes, preparing credit approval memos, participating in discussions with senior credit officers and bankers, and establishing credit facilities in line with the Bank's policies.
Job responsibilities
- Oversees and monitors a portfolio of client credit exposures, across specialized industry classes, on an ongoing basis
- Takes ownership of client credit requests and is able to develop and recommend a credit opinion
- Conducts credit analysis and seeks approval for all transactions, including loans, derivatives, and operating exposures as part of a deal team
- Evaluates structures of new loan and derivative transactions and determines risk appetite
- Leads or assists in negotiating, finalizing, and executing documentation for loans and derivatives
- Remains current on all aspects of the credit relationship, including exposure, compliance, and potential problems
- Provides a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and industries in their sector
- Prepares and presents quarterly and annual risk reviews and tiering analyses
- Assigns risk ratings and maintains updated credit research on portfolio of clients
- Manages credit due diligence process for clients
- Prepares and reviews written credit approval documents, which include financials analysis and modeling
Required qualifications, capabilities and skills
- Solid accounting and corporate finance expertise
- Strong analytical and financial assessment ability
- Good knowledge of loan and derivative products, documentation, and structuring
- An interest in client interaction
- Strong verbal and written communication, along with strong inter-personal skills
- An exceptional work ethic
- Ability to work well under pressure on teams in a demanding environment
- Proficiency in Excel, PowerPoint and Word software
- Minimum 3 years related experience in credit risk, either in banking or a corporate finance role
Preferred qualifications, capabilities and skills
- Some experience negotiating legal documents associated with tax exempt and taxable credit products a plus
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.
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