Description

Job Description:

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As an Associate in the Credit Risk team supporting the Government, Higher Education, Healthcare, and Not-for-Profit (GHHN) portfolio, you will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures. JPMorganChase is seeking a highly motivated and analytical Associate to join our Credit Risk team supporting the Government, Higher Education, Healthcare, and Not-for-Profit (GHHN) portfolio. This role offers the opportunity to work with a diverse set of clients, including state and local governments (US), public and private universities, academic medical centers, hospitals, and leading not-for-profit organizations. The successful candidate will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures.

Job Responsibilities:

• Perform comprehensive credit analysis and risk assessment for new and existing clients in the government, higher education, healthcare, and not-for-profit sectors.
• Prepare and present detailed credit approval memos / QOFs, including financial statement analysis and risk rating recommendations.
• Monitor portfolio performance, identify emerging risks, and proactively manage credit exposures.
• Collaborate with bankers and other risk professionals to structure transactions that balance client needs with prudent risk management.
• Conduct due diligence calls and meetings with clients & management teams
• Stay current on sector trends, regulatory developments, and market dynamics impacting the GHHN portfolio.
• Ensure compliance with JPMorganChase's credit policies, procedures, and regulatory requirements.

Required qualifications, skills, and/or capabilities

• Qualifications in MBA (with Finance Specialization) / CA
• Min. 4 years of experience in credit risk, commercial banking, public finance, healthcare finance, or related field.
• Strong financial modeling, analytical, and quantitative skills; ability to interpret complex financial statements and sector-specific disclosures.
• Demonstrated understanding of credit risk principles, loan structures, and sector-specific risk factors (e.g., government funding, healthcare reimbursement, not-for-profit financial reporting).
• Excellent written and verbal communication skills; ability to present complex analyses to senior management and credit committees.
• Strong organizational skills and attention to detail; ability to manage multiple priorities in a fast-paced environment.
• Proficient in the use of MS Word, Excel and Power Point
• Commitment to JPMorganChase's values of integrity, client focus, and teamwork.

About Us

JPMorganChase, 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 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 applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

About the Team

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.