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- Tasks: Shape credit decisions and analyse corporate clients across diverse sectors.
- Company: Join a dynamic global team in corporate banking.
- Benefits: Gain valuable experience, develop skills, and work in an inclusive environment.
- Why this job: Make a real impact while growing your career in credit risk analysis.
- Qualifications: Degree in Finance, Accounting, Economics, or STEM; strong analytical skills required.
- Other info: Collaborate with colleagues globally and engage in innovative projects.
The predicted salary is between 36000 - 60000 £ per year.
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.
- 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.
- 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).
Diversified Industries Credit Risk Analyst employer: J.P. Morgan
Contact Detail:
J.P. Morgan Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Diversified Industries Credit Risk Analyst
✨Network Like a Pro
Get out there and connect with people in the industry! Attend networking events, join relevant online forums, and don’t be shy about reaching out to professionals on LinkedIn. We all know that sometimes it’s not just what you know, but who you know that can help you land that dream job.
✨Ace the Interview
Prepare for your interviews by researching the company and understanding their credit risk approach. Practice common interview questions and think about how your skills align with the role. Remember, we want to see your passion and how you can contribute to our team!
✨Showcase Your Skills
Don’t just tell us about your skills; show us! Bring examples of your work or projects that demonstrate your expertise in credit risk analysis. Whether it’s a presentation or a detailed report, let your work speak for itself.
✨Apply Through Our Website
Make sure to apply through our website for the best chance at landing an interview. It’s the quickest way for us to see your application and get you into the process. Plus, you’ll find all the latest opportunities right there!
We think you need these skills to ace Diversified Industries Credit Risk Analyst
Some tips for your application 🫡
Tailor Your CV: Make sure your CV reflects the skills and experiences that align with the role of a Diversified Industries Credit Risk Analyst. Highlight your financial analysis skills, familiarity with corporate financial statements, and any relevant experience in credit risk or leveraged finance.
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about credit risk and how your background makes you a great fit for our team. Don’t forget to mention your ability to collaborate with business partners and deliver insightful analysis.
Showcase Your Technical Skills: Since this role involves a lot of technical analysis, be sure to highlight your proficiency with MS Office products, especially Excel. If you have experience with cash flow modelling or valuation methods, make that clear in your application!
Apply Through Our Website: We encourage you to apply directly through our website. It’s the best way to ensure your application gets into the right hands. Plus, it shows us you’re genuinely interested in joining our team at StudySmarter!
How to prepare for a job interview at J.P. Morgan
✨Know Your Numbers
Make sure you brush up on your financial statement analysis skills. Be prepared to discuss balance sheets, P&L statements, and cash flow in detail. Practising how to interpret these documents will help you demonstrate your technical expertise during the interview.
✨Understand the Market
Familiarise yourself with the macroeconomic factors affecting diversified industries and leveraged finance. Being able to discuss current trends and their impact on credit risk will show that you're not just knowledgeable but also engaged with the industry.
✨Showcase Your Communication Skills
Since effective communication is key in this role, practice articulating your thoughts clearly and concisely. Prepare to explain complex analyses in a way that’s easy to understand, as you'll need to collaborate with various stakeholders.
✨Prepare for Scenario Questions
Expect questions that assess your problem-solving abilities, especially in credit risk scenarios. Think of examples from your past experiences where you successfully managed risk or made impactful decisions, and be ready to share those stories.
