Risk Management Credit Risk Analyst Asset-Backed Finance

Bring your Expertise to JPMorgan Chase. As part of Risk Management and Compliance you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks and using your expert judgement to solve real-world challenges that impact our company customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box challenging the status quo and striving to be best-in-class.

Job summary

As aCredit Risk AnalystinAsset-Backed Finance Credit Risk you assess and grade securitizations of financial assets where repayment is driven by underlying cash flows. You work with us at the intersection of finance and analytics to develop forward-looking risk views and recommend structures that fit the collateral and transaction profile. You partner with senior credit officers coverage and product teams to support disciplined approvals portfolio monitoring and clear written credit opinions.

Job responsibilities

• Evaluateclient-level asset data and performance trends (delinquencies defaults net losses recoveries servicing performance indicators) to form a prospective risk outlook
• Developa forward-looking view of client businesses and collateral risk including corporate financial analysis of originators and servicers as needed
• Buildfoundational knowledge of securitized financial assets and related market dynamics
• Participatein due diligence meetings virtually or at client sites
• Monitorportfolio performance covenant compliance industry trends and emerging risks and opportunities
• Validatecash flow and payment waterfall models to confirm loss coverage liquidity weighted average life and trigger headroom andchallengekey assumptions
• Collaboratewith credit risk officers coverage bankers and product partners to design structures aligned to asset risk profiles
• Supportstress and downside scenario analysis to understand potential credit outcomes
• Ensureaccurate booking of exposures in JPMorganChase credit systems andcoordinatewith middle office teams to maintain data integrity
• Preparewritten credit analysis and recommendations for senior credit officers
• Presentperiodic portfolio reviews to senior credit executives and business partners

Required qualifications capabilities and skills

• Bachelors degree in a quantitative discipline
• Strong interest in structured finance
• Excellent problem-solving and critical thinking skills
• Strong verbal and written communication skills
• High attention to detail with strong organizational skills
• Ability to collaborate effectively with internal and external stakeholders
• Proactive approach with strong ownership mindset and curiosity to learn
• Ability to multitask and thrive in a fast-paced team-oriented environment

Preferred qualifications capabilities and skills

• Internship or work experience in commercial or investment banking especially with credit structuring or markets exposure
• Familiarity with asset-backed and securitization markets
• Proficiency in Excel and PowerPoint
• Basic understanding of credit documentation and transaction processes
• Experience delivering high-quality work under time pressure in a demanding environment