Wholesale Credit Risk – Credit Risk Associate / Vice President – EMEA Emerging Markets

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

As a Vice President or Associate in the EMEA Emerging Markets Credit team, you will cover corporate and financial institution clients across the Emerging Europe and Sub-Saharan Africa regions. You will work closely with business partners across the region including Debt Capital Markets, Acquisition and Leveraged Finance, M&A, Corporate Bank, Markets, Treasury Services, and Trade Finance. Given the broad sector and client base covered, we focus on performing credit analysis on investment grade and non-investment grade clients across corporates, financial institutions, and sovereign-related entities, as well as structuring and documenting a wide variety of credit products. 

Job responsibilities

• Serve as the credit expert for a portfolio of clients in the region, with primary responsibility for credit exposure. 
• Manage clients across industries including corporates, financial institutions, and sovereign-related entities, including monitoring credit ratings, sector trends, and client performance. 
• Lead due diligence, credit analysis, and financial modelling of counterparties, transactions, and complex financing structures; drive preparation of credit memos and recommend appropriate structure, risk appetite, and grading. 
• Work across products including secured and unsecured loans, derivatives, trade and treasury products, and related documentation; lead structuring, negotiation, and execution of loan documentation, derivatives, and other facilities. 
• Make sound credit recommendations and own the credit approval decision. 
• Balance a commercial and solution-driven mindset with a sound risk and controls attitude. 
• Track market and industry developments and their impact on clients, keeping up to date with the political and macroeconomic environment and maintaining in-depth knowledge of portfolio clients.
• Build relationships with key internal and external stakeholders and foster team knowledge.
• Coach and train junior team members on technical and professional skills (leading or as part of a portfolio team). 

• Meet clients and lead due diligence meetings

   

   

Required qualifications, capabilities, and skills
 

• Strong analytical and credit skills/judgment, covering both qualitative and quantitative aspects. 
• Demonstrable product knowledge of a wide range of lending, derivative and treasury services products and associated documentation. 
• Established team player with project management skills and ability to take end-to-end ownership of work/projects.
• Ability to take an active role in identifying key issues and concerns relating to clients, their industries, and transaction structures. 
• Ability to establish credibility and trust with clients, internal business partners, product specialists, and credit officers, and to partner with them effectively. 
• Ability to foster relationships and confidently interact with origination teams and other internal stakeholders. 
• Self-starting, result-driven, able to multi-task, with a risk-reward mindset and adaptability given the dynamic nature and timing of workflow. 
• Coaching and development ability towards junior colleagues. 
• Strong written and verbal communication skills, along with strong interpersonal skills.
• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment. 
• Experience in roles with relevant skills for this position
   

Preferred qualifications, capabilities, and skills

• Previous experience reviewing and commenting on loan documentation and core corporate derivative documentation. 
• Highly proficient in Microsoft Excel with ability to navigate financial models, as well as Microsoft PowerPoint, Word, and Outlook.