Commercial & Investment Bank Credit Risk - Associate (Energy)

Bring your Expertise to JPMorganChase.

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 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.

As an Energy Credit Risk Associate in Commercial & Investment Bank Risk - Energy, Power and Renewables, you will lead and support credit origination and portfolio management across investment grade and leveraged clients.

You will partner with coverage and product teams to structure, analyze, negotiate, and approve new credit exposure while maintaining strong risk governance.

You will help us identify emerging risks, monitor portfolio performance, and contribute to developing junior talent on a collaborative, high-performing team.

Job responsibilities


* Assess key risks across clients, transactions, and energy sub-sectors within an assigned portfolio


* Develop forward-looking risk views on companies, structures, industry dynamics, and competitive threats


* Participate in client due diligence to deepen understanding of business models, management teams, and sectors


* Build and analyze financial models to test downside cases and support risk-based structuring recommendations


* Prepare credit approval materials and present transactions for approval in line with credit risk policies


* Negotiate deal terms, covenants, and legal documentation with deal teams to align with approved risk appetite


* Maintain accurate, forward-looking risk ratings and communicate key developments to stakeholders


* Identify deteriorating credits early and drive proactive risk management actions


* Analyze and present waivers, amendments, and extensions for approval


* Deliver periodic portfolio reporting, including quarterly snapshots and annual reviews for senior management


* Mentor and coach analysts while partnering with middle office teams to maintain high-quality credit data

Required qualifications, capabilities, and skills


* Demonstrated credit, lending, negotiation, loan documentation, and financial modeling skills


* Experience performing credit analysis and recommending risk-appropriate financing structures


* Ability to manage multiple priorities and perform well under pressure in a demanding environment


* Strong attention to detail and a consistent, high-quality work ethic


* Ability to work independently with accountability while collaborating effectively as part of a team


* Strong interpersonal and communication skills, including comfort representing JPMorganChase in client interactions


* Proficiency in Microsoft Office applications, especially Excel, PowerPoint, and Word
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