Commercial & Investment Bank Special Credits Risk Management Analyst

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.

Job summary 

As a Special Credit Analyst in Special Credits Group, Commercial & Investment Bank, you support strategies that reduce risk and maximize recoveries across a portfolio of stressed and distressed borrowers in the United States, Canada, and Latin America. You partner with us and with key internal and external stakeholders to evaluate downside scenarios, navigate complex legal and structural paths, and negotiate outcomes. You contribute clear credit recommendations and strong execution across recovery-related analysis, reporting, and portfolio actions.

Job responsibilities 

• Support senior credit officers in managing a portfolio of stressed and distressed borrowers across the United States, Canada, and Latin America
• Review complex legal, financial, and cross-border considerations to help determine appropriate actions and strategies
• Collaborate with internal partners across coverage, capital markets, origination, legal, compliance, and risk to develop restructuring or exposure-reduction solutions
• Engage with external stakeholders, including management teams, sponsors, counsel, financial advisors, and creditor groups, to advance negotiations and outcomes
• Prepare internal memos and reports for credit, regulatory, and accounting purposes, including approval materials and surveillance reporting
• Calculate asset-specific reserve analyses and support related documentation and governance
• Build financial analysis and valuations to inform internal ratings, reserves, downside cases, and potential dispositions
• Monitor instruments and securities received through prior restructurings and recommend trading or disposal actions
• Contribute to wholesale regulatory, accounting, and risk reporting requirements and related deliverables
• Improve procedures and execution through enhancements to SCG processes and controls

Required qualifications, capabilities, and skills 

• Minimum 1 year of corporate finance, credit, and leveraged finance experience
• Strong financial modeling skills
• Ability to learn quickly across new industries, business models, and geographies
• Strong ownership mindset with high accountability for end-to-end deliverables
• Outstanding written and verbal communication skills
• Ability to work under pressure both independently and within teams, with effective time management
• Ability to distill information from multiple sources into clear credit recommendations and rationale
• Strong attention to detail
• Ability to engage effectively with internal and external stakeholders
• Strong project management skills with demonstrated end-to-end ownership of workstreams
• Comfort developing and executing strategies in unfamiliar or rapidly evolving situations

Preferred qualifications, capabilities, and skills 

• Experience supporting loan restructurings, amendments, waivers, or distressed situations
• Experience reviewing credit agreements and restructuring-related documentation
• Familiarity with valuation approaches used in stressed and distressed scenarios
• Exposure to secondary loan markets or loan trading concepts