Credit Portfolio Group - Research - Associate

Location: New York, NY, United States

Job Family: Associates

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client-focused solutions. The Credit Portfolio Group within our Corporate & Investment Bank is seeking a Research Associate to join our dynamic team in New York, NY. In this role, you will play a pivotal part in supporting the management of our extensive loan portfolios through rigorous credit analysis, sophisticated modeling, and strategic development. As an Associate, you will contribute to maintaining the integrity and performance of our credit exposures in a high-stakes environment, leveraging cutting-edge tools and collaborating with experts across the firm to drive informed decision-making. Your primary focus will be on performing detailed credit assessments, building predictive models to evaluate portfolio risks under various economic scenarios, and aiding in the formulation of strategies that align with JP Morgan Chase's risk appetite and business objectives. You will analyze complex data sets from diverse loan types, including syndicated and bilateral facilities, while staying abreast of macroeconomic trends and regulatory landscapes such as Dodd-Frank and IFRS 9. This position offers exposure to senior leadership and the opportunity to influence portfolio-level decisions that impact billions in assets, all within a supportive team that values analytical rigor and innovative thinking. We are looking for a proactive professional who thrives in a collaborative, fast-paced setting and is passionate about the intersection of finance and technology. Joining JP Morgan Chase means becoming part of a world-class institution committed to your growth, with access to unparalleled resources, mentorship, and career progression opportunities. If you have a strong foundation in financial services and a drive to excel in credit research, this role will allow you to make a meaningful impact on one of the most influential portfolios in global banking.

Key Responsibilities

• Conduct in-depth credit analysis on loan portfolios to assess risk and identify potential issues
• Develop and maintain financial models for portfolio performance forecasting and stress testing
• Collaborate with cross-functional teams to formulate credit strategies and portfolio optimization plans
• Monitor market trends, economic indicators, and regulatory changes impacting credit portfolios
• Prepare detailed reports and presentations for senior management on portfolio health and recommendations
• Support due diligence processes for new loan originations and portfolio acquisitions
• Analyze portfolio data to recommend adjustments in risk exposure and diversification
• Contribute to the development of risk management frameworks and policies
• Participate in ad-hoc projects related to credit research and strategic initiatives

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related quantitative field
• Minimum of 3 years of experience in credit analysis, portfolio management, or financial modeling within the financial services industry
• Strong understanding of loan portfolios, credit risk assessment, and regulatory requirements such as Basel III
• Proficiency in financial modeling tools and databases used in banking
• Ability to work in a fast-paced, collaborative team environment
• Excellent analytical and problem-solving skills with attention to detail
• Authorization to work in the United States without sponsorship

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) from a top-tier institution
• Experience at a major financial institution like JP Morgan Chase or similar
• Knowledge of syndicated loans, leveraged finance, or commercial banking products
• CFA or FRM certification
• Prior internship or role in research or strategy development within credit portfolios

Required Skills

• Advanced Excel and financial modeling (e.g., DCF, scenario analysis)
• Proficiency in SQL, Python, or R for data analysis and visualization
• Knowledge of Bloomberg, Capital IQ, or similar financial databases
• Credit risk assessment and rating methodologies
• Quantitative analysis and statistical modeling
• Strong written and verbal communication skills
• Attention to detail and accuracy in data handling
• Project management and time management abilities
• Team collaboration and interpersonal skills
• Analytical thinking and problem-solving
• Understanding of financial statements and accounting principles
• Regulatory compliance knowledge in banking
• Adaptability to dynamic market conditions
• Presentation skills for stakeholder reporting

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement for advanced education
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase offices
• Global mobility opportunities and career advancement support

JP Morgan Chase is an equal opportunity employer.