About Company
JPMorgan Chase & Co. is a leading global financial services firm with operations worldwide. We are a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. With a legacy spanning over 200 years, we are committed to making an impact by doing good business and doing good for the world. Our global team of employees serves millions of customers, clients and communities in over 100 countries. We are driven by a strong purpose: to help our clients, employees, and communities thrive.
Job Description
We are seeking a highly motivated and detail-oriented Credit Analyst to join our dynamic team in Nob Hill, San Francisco. This is an urgent hiring need, reflecting our commitment to strengthening our financial analysis capabilities and supporting our diverse client base. As a Credit Analyst, you will play a crucial role in evaluating the creditworthiness of corporate clients, assessing risk, and contributing to informed lending decisions. You will be responsible for preparing comprehensive financial analyses, market research, and industry trend assessments that underpin our strategic financial operations. This position offers an excellent opportunity to gain deep insights into various industries and develop expertise in credit risk management within a world-class financial institution. The ideal candidate will possess strong analytical skills, a solid understanding of financial statements, and the ability to articulate complex financial concepts clearly. You will collaborate closely with relationship managers, senior credit officers, and other stakeholders to ensure thorough and timely credit reviews. This role is integral to maintaining the integrity of our lending portfolio and driving sustainable growth for the firm and our clients.
Key Responsibilities
- Conduct in-depth financial analysis of corporate clients, including historical and projected financial statements, cash flow, and covenant compliance.
- Prepare comprehensive credit memoranda, presenting a clear and concise assessment of borrower creditworthiness, industry risks, and facility structure.
- Perform due diligence on new and existing credit relationships, gathering and analyzing relevant financial and market information.
- Monitor client performance and market trends to identify potential risks and opportunities within the credit portfolio.
- Collaborate with Relationship Managers and Senior Credit Officers to structure appropriate credit facilities and terms.
- Ensure compliance with internal credit policies, regulatory requirements, and risk management guidelines.
- Participate in client meetings and calls to gain a deeper understanding of business operations and financial needs.
- Present findings and recommendations to credit committees and senior management.
- Contribute to ongoing process improvements and best practices within the credit analysis function.
Required Skills
- Bachelor's degree in Finance, Accounting, Economics, or a related field.
- Minimum of 3 years of experience in credit analysis, financial analysis, or a related role within financial services.
- Strong understanding of financial statements, accounting principles, and financial modeling techniques.
- Proficiency in Microsoft Excel for data analysis and financial projections.
- Excellent written and verbal communication skills, with the ability to present complex information clearly and concisely.
- Proven ability to work independently and as part of a team in a fast-paced environment.
- Strong attention to detail and analytical problem-solving capabilities.
- Demonstrated ability to manage multiple priorities and meet deadlines.
Preferred Qualifications
- Master's degree or CFA designation (or progress towards).
- Experience with credit risk software and financial databases (e.g., Bloomberg, Capital IQ).
- Knowledge of various industries and their specific credit risks.
- Previous experience with a large commercial bank or investment bank.
- Familiarity with regulatory frameworks impacting financial institutions.
Perks & Benefits
- Comprehensive medical, dental, and vision insurance plans.
- Competitive paid time off and holidays.
- 401(k) retirement plan with company match.
- Employee stock purchase program.
- Tuition reimbursement and professional development opportunities.
- Wellness programs and employee assistance initiatives.
- On-site fitness centers and employee dining options (at select locations).
- Opportunity to work in a diverse and inclusive environment with global impact.
How to Apply
Interested candidates are encouraged to apply by clicking the application link below. Please ensure your resume highlights your relevant experience and qualifications for this urgent hiring need. We look forward to reviewing your application.