Risk Management -Public Finance - Associate

Job Description
Elevate your career at JPMorgan Chase, where your expertise in Risk Management and Compliance will be at the forefront of our mission to maintain strength and resilience. As a vital member of our team, you'll play a crucial role in enabling the firm to grow responsibly by identifying and addressing emerging risks. Your expert judgment will be key in solving real-world challenges that impact our company, customers, and communities. Our culture thrives on innovation, challenging the status quo, and striving for excellence.
As a Public Finance Associate within the Wholesale Credit Risk organization, you'll be at the heart of exciting lending transactions and portfolio management. You'll have the opportunity to analyze financial statements, stay ahead of industry trends, evaluate transactions, prepare impactful credit approval memos, and engage with senior credit officers and bankers. Your work will be instrumental in establishing credit facilities that align with the Bank's policies.
Job responsibilities

• Prepare and review detailed credit approval documents, including financial analysis and modeling.
• Take charge of overseeing and monitoring a diverse portfolio of client credit exposures across specialized industry sectors.
• Own client credit requests, developing and recommending insightful credit opinions.
• Conduct thorough credit analysis and secure approvals for transactions, including loans, derivatives, and operating exposures as part of a dynamic deal team.
• Assess new loan and derivative transaction structures, determining risk appetite with precision.
• Lead or assist in negotiating, finalizing, and executing documentation for loans.
• Stay informed on all aspects of credit relationships, including exposure, compliance, and potential challenges.
• Deliver a cohesive and comprehensive approach to reviewing risk ratings, risk assessments, portfolios, clients, and industries within the public finance, not for profit sector.
• Prepare and present annual risk reviews.
• Assign risk ratings and maintain up-to-date credit research on your client portfolio.
• Manage the credit due diligence process for clients with expertise.

Required qualifications, capabilities and skills

• Strong expertise in accounting and corporate finance.
• Exceptional analytical and financial assessment skills.
• Comprehensive knowledge of loan and derivative products, documentation, and structuring.
• A genuine passion for client interaction.
• Outstanding verbal and written communication skills, along with strong interpersonal skills.
• A robust work ethic and the ability to excel under pressure in a collaborative, demanding environment.
• Proficiency in Excel, PowerPoint, and Word software.
• A minimum of 3 years of related experience in credit risk, either in banking or a corporate finance role.

Preferred qualifications, capabilities and skills

• Experience with tax-exempt and taxable credit products is a plus.

About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
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.