JPM Suisse Geneva Credit Analyst

Are you ready to make a significant impact in the world of finance and wealth management? Join our dynamic team as a Credit Analyst, where you will be at the forefront of managing and monitoring credit and counterparty risks.

As a Credit Analyst within our Credit Risk Team, you will play a pivotal role in evaluating and managing credit risks for high net worth and ultra-high net worth clients within Wealth Management. Your responsibilities will include assessing consumer and business credit requests by analyzing financial statements, credit reports, and other relevant data to determine risk levels and compliance with regulatory standards.

Job responsibilities:

• Evaluate WM consumer and business purpose credit requests utilizing applicable Credit Risk Policies and Guidelines.
• Analyze business/entity/personal financial statements, public information sources, credit reports, and other relevant information to calculate cash flow and balance sheet ratios. Utilize these ratios and evaluate other qualitative factors to determine a client’s risk of default following J.P. Morgan Wholesale Risk Grading Methodology to comply with Basel III standards for regulatory risk grading requirements, and any other applicable policies or regulations.
• Complete an analysis of the collateral and/or loan covenants/ events of default to determine the potential loss in a default situation. Independently identify and clearly articulate risks and mitigating factors that could impact the client’s ability to repay the loan. Recommend a course of action with clear and concise rationale.
• Understand and clearly articulate geo-political risks and jurisdictional issues that impact our domestic and cross-border clients. Engage in regular dialogue with Front Office to obtain required information critical to making a loan. Negotiate loan structure and terms when necessary, and provide alternative solutions when appropriate.
• Escalate credit issues to Credit Executive or senior management as appropriate, and provide solution(s) and/or next steps for resolution. Tasked with managing portfolios and ensuring proper escalation within their respective markets to maintain credit risk levels.
• Work with Credit Platform Services to ensure a seamless and timely delivery of credit approval to the client, while maintaining a strict regulatory and control environment.
• Participate in innovation, policy/guideline documentation review, control activities, legal entity activities, and process improvements. Special projects will be assigned as appropriate.
• Mentor less experienced Credit Analysts and Support Partners, as well as other WM staff.

Required qualifications, capabilities, and skills

• Post Graduate degree required; Finance, Accounting, Economics, Business Management.
• Possess strong computer skills including Microsoft Excel, Microsoft Word and PowerPoint.
• The candidate should possess strong analytical & organizational skills, problem-solving capabilities, good communication skills and strong attention to detail.
• Ability to work with individuals at all levels in the organization and contribute to the strategic direction of the firm and the team.
• Must have a strong commitment to customer service and teamwork to contribute to high-performing teams through development of self and others.
• Candidate must be able to work in a high production environment while meeting or exceeding agreed upon targets for volume, timing and quality.