Risk Management - Credit Risk Analyst - Asset-Backed Finance

Credit Risk Analyst

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 a Credit Risk Analyst in Asset-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

• Evaluate client-level asset data and performance trends (delinquencies, defaults, net losses, recoveries, servicing performance indicators) to form a prospective risk outlook
• Develop a forward-looking view of client businesses and collateral risk, including corporate financial analysis of originators and servicers as needed
• Build foundational knowledge of securitized financial assets and related market dynamics
• Participate in due diligence meetings, virtually or at client sites
• Monitor portfolio performance, covenant compliance, industry trends, and emerging risks and opportunities
• Validate cash flow and payment waterfall models to confirm loss coverage, liquidity, weighted average life, and trigger headroom, and challenge key assumptions
• Collaborate with credit risk officers, coverage bankers, and product partners to design structures aligned to asset risk profiles
• Support stress and downside scenario analysis to understand potential credit outcomes
• Ensure accurate booking of exposures in JPMorgan
  
  Chase credit systems and coordinate with middle office teams to maintain data integrity
• Prepare written credit analysis and recommendations for senior credit officers
• Present periodic portfolio reviews to senior credit executives and business partners

Required qualifications, capabilities and skills

• Bachelor's 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 Power Point
• Basic understanding of credit, documentation, and transaction processes
• Experience delivering high-quality work under time pressure in a demanding environment

JPMorgan

Chase, 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…