At a Glance
- Tasks: Join a dynamic credit risk team and analyse diverse financial portfolios.
- Company: Leading Commercial & Investment Bank with a collaborative culture.
- Benefits: Competitive salary, professional development, and exposure to senior stakeholders.
- Other info: Opportunities for coaching junior talent and excellent career growth.
- Why this job: Make a meaningful impact while developing your expertise in credit risk.
- Qualifications: Strong analytical skills and experience in credit or risk environments.
The predicted salary is between 60000 - 80000 £ per year.
Description
We have an exciting opportunity for you to advance your career in a dynamic and collaborative credit risk team.
You will work with a diverse portfolio of financial institution clients, helping to shape risk decisions across a broad range of products and transactions.
This role offers exposure to senior stakeholders, complex credit structures, and opportunities to develop your expertise while making a meaningful impact.
As an Associate in the EMEA Financial Institutions team covering primarily Banks, Insurances and Sovereign clients for the Central and Northern Europe region in the Commercial & Investment Bank (CIB), you will cover a diversified portfolio of Investment and Non-Investment Grade counterparties, with responsibility for conducting credit analysis, managing portfolio exposures, and reviewing and approving transactions across a wide range of credit products .
- Job Responsibilities
- Prepare concise credit analysis with clear recommendations on risk appetite, grading, and structuring.
- Support due diligence, leading where required, and prepare credit analysis of counterparties.
- Conduct portfolio-level and client specific stress testing, challenging scenario assumptions, and articulating conclusions to stakeholders.
- Negotiate Markets documentation (ISDA, clearing agreements, GMRA/GMSLA etc.) and loan documentation (including LMA standards and leveraged finance)
- Manage and monitor the credit risk portfolio across sectors and products, including ongoing tracking of ratings, sector trends, and client performance; proactively adjust limits and manage exposures.
- Cover a broad product set, across all markets products (derivatives, securities financing, securities trading, cleared products, margin lending etc.), secured and unsecured loans, trade finance, and treasury products.
- Coordinate with senior leaders across the Commercial & Investment Bank, product specialists, and senior Credit Officers to align risk decisions and approvals.
- Apply firm risk management policies and engage with control stakeholders, including Regulators and Auditors.
- Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
- Required qualifications, capabilities, and skills
- Demonstrated analytical rigor and credit judgment, with the ability to identify, quantify, and communicate key risks.
- Proficiency in financial analysis and scenario analysis relevant to wide-ranging client and product suite.
- Familiarity in leveraging AI tools to support analysis and enhance efficiency.
- Knowledge of transaction structures, documentation (markets, loan) sufficient to support negotiation and execution.
- Strong project management capability with end-to-end ownership of workstreams; effective prioritization and multi-tasking in a dynamic environment.
- Clear, effective written and verbal communication; ability to establish credibility with clients and internal stakeholders.
- Ability to coach and develop junior colleagues.
- Self-directed, results-oriented, adaptable, and motivated to drive continuous improvement.
- Prior experience in a comparable credit or risk environment.
Wholesale Credit Risk - EMEA Banks and Insurance team - Associate in London employer: JPMorganChase
JPMorganChase is an exceptional employer, offering a dynamic work environment in Greater London where innovation thrives. With a strong commitment to diversity and inclusion, employees benefit from collaborative agile teams, extensive professional development opportunities, and the chance to work on cutting-edge technology products that shape the future of finance. Join us to be part of a culture that values your contributions and supports your growth.
StudySmarter Expert Advice🤫
We think this is how you could land Wholesale Credit Risk - EMEA Banks and Insurance team - Associate in London
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We think you need these skills to ace Wholesale Credit Risk - EMEA Banks and Insurance team - Associate in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to JPMorganChase.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on JPMorganChase's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at JPMorganChase
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with JPMorganChase.
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Since this is a full-time position, employers at JPMorganChase will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
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Before your interview, reach out to current or former JPMorganChase employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
