About Company
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $4.1 trillion and operations worldwide. The Firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. We serve millions of customers and many of the world’s most prominent corporate, institutional, and government clients. Our team members are dedicated to driving innovation, delivering exceptional service, and making a positive impact in the communities where we live and work. We are committed to fostering an inclusive culture, providing opportunities for professional growth, and supporting our employees’ well-being. At JPMorgan Chase, we believe in a diverse workforce that reflects the clients and communities we serve, ensuring that every voice is heard and valued. Join us to build a rewarding career where your contributions make a tangible difference.
Job Description
Are you a highly analytical and detail-oriented financial professional eager to advance your career with a global leader? JPMorgan Chase & Co. is actively seeking a skilled Credit Analyst to join our esteemed team in Colorado Springs, Colorado. This pivotal role offers an unparalleled opportunity to contribute to the robust financial health and strategic growth of our diverse portfolio of clients, ranging from dynamic small and medium-sized enterprises to large-scale corporations.
As a Credit Analyst at JPMorgan Chase, you will be instrumental in meticulously evaluating the creditworthiness of both prospective and existing borrowers. Your day-to-day responsibilities will encompass comprehensive financial statement analysis, cash flow modeling, and in-depth assessment of industry and market trends. You will synthesize complex data into clear, concise credit memorandums, providing well-reasoned recommendations that directly influence significant lending decisions. This role requires close collaboration with Relationship Managers, senior credit officers, and various business partners to structure appropriate credit facilities, effectively manage portfolio risk, and ensure strict adherence to JPMorgan Chase’s rigorous credit policies and all relevant regulatory requirements.
This position is designed for individuals who thrive in a fast-paced, intellectually stimulating environment and possess an unwavering commitment to accuracy and integrity. You will gain extensive exposure to a wide array of industries and sophisticated financial products, establishing a strong foundation for continuous professional development and long-term career progression within one of the world’s most respected financial institutions. If you possess strong analytical acumen, exceptional communication skills, and a proactive approach to identifying and mitigating financial risks, we invite you to apply and become a vital part of our team dedicated to empowering clients and strengthening communities in Colorado Springs.
Key Responsibilities
- Perform comprehensive financial analysis of commercial clients, including evaluation of financial statements, cash flow, collateral, and industry trends.
- Prepare detailed credit memorandums, outlining financial analysis, risk assessment, and credit recommendations for management review.
- Assess and mitigate credit risk, ensuring full compliance with JPMorgan Chase's credit policies, procedures, and regulatory guidelines.
- Partner with Relationship Managers to structure, negotiate, and approve credit facilities that meet client needs while managing bank risk.
- Monitor assigned credit portfolios for financial performance, covenant compliance, and early identification of potential risk deterioration.
- Participate in client meetings and due diligence calls to gain a deeper understanding of business operations and financial strategy.
- Stay current with economic conditions, industry-specific developments, and market trends impacting credit risk.
- Contribute to ongoing enhancements of credit analysis processes and risk management frameworks.
Required Skills
- Bachelor's degree in Finance, Accounting, Economics, Business Administration, or a related quantitative field.
- 3+ years of progressive experience in credit analysis, commercial lending, or a related financial risk assessment role within a banking or financial services environment.
- Strong foundational knowledge of financial statements, generally accepted accounting principles (GAAP), and cash flow analysis.
- Advanced proficiency in Microsoft Excel for financial modeling, forecasting, and data manipulation.
- Exceptional written and verbal communication skills, with the ability to articulate complex financial concepts to diverse audiences.
- Demonstrated analytical and problem-solving abilities, capable of making sound, data-driven judgments.
- High level of integrity, meticulous attention to detail, and a commitment to producing accurate work.
Preferred Qualifications
- Master's degree or MBA with a concentration in Finance.
- CFA (Chartered Financial Analyst) designation or significant progress towards its completion.
- Experience with commercial real estate, corporate finance, or specialized industry lending.
- Familiarity with financial databases, credit risk management software, and industry-specific analytical tools.
- Prior experience working with large corporate or middle-market clients.
Perks & Benefits
- Competitive salary complemented by performance-based incentives and bonuses.
- Comprehensive health, dental, and vision insurance plans for employees and eligible dependents.
- Robust 401(k) retirement savings plan with generous company matching contributions.
- Generous paid time off, including vacation, sick leave, and company-recognized holidays.
- Extensive opportunities for professional development, training, and career advancement within a global organization.
- Tuition reimbursement programs for continuous learning and skill enhancement.
- Employee assistance programs, wellness initiatives, and mental health support.
- A vibrant, inclusive, and supportive work culture that values diversity and encourages community engagement.
How to Apply
Interested candidates are encouraged to apply directly through JPMorgan Chase & Co.’s careers portal by clicking the link provided below. Please ensure your resume and a compelling cover letter thoroughly highlight your relevant experience in credit analysis and your qualifications for this challenging yet rewarding role. We eagerly anticipate reviewing your application and the possibility of you joining our dedicated team in Colorado Springs.