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Wholesale Credit Risk Associate - Stress Testing

JPMorgan Chase
Plano, USA
Full-time
Mid · 3+ years experience
Onsite
Discovered 1 weeks ago
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Job Responsibilities

  • Review top-level and loan-level allowance and stress testing results for reasonability, accuracy, and alignment with portfolio trends
  • Assess risks and support estimation of qualitative loan loss reserves, incorporating management judgment, industry data, and emerging or idiosyncratic risk factors
  • Calculate, analyze, and communicate key modeling parameters, including Probability of Default, Loss Given Default, Exposure at Default, and Rating Migration, and translate these into actionable loss estimates
  • Develop and continuously deepen expertise in CECL allowance estimation methodology, with working knowledge of CCAR stress testing to ensure consistency of assumptions and results across both exercises
  • Perform portfolio trend and sensitivity analyses across macroeconomic scenarios, portfolio stress tests, and assumption changes, building reusable, query-driven analytics to support strategic decision-making
  • Prepare and present materials to senior management and firmwide stakeholders, tailoring messaging and level of detail to diverse audiences
  • Collaborate across lines of business and with partners in Corporate Finance, External Reporting, Quantitative Research, Model Risk, and Technology to drive consensus and execute on shared objectives

Required qualifications, capabilities, and skills

  • Bachelor's degree in Business, Finance, Accounting, Economics, Statistics, Engineering, or a related quantitative discipline
  • 3+ years of experience in credit risk, loan loss forecasting, financial analysis, or a quantitative function within financial services
  • Familiarity with Commercial and Industrial and Commercial Real Estate loans and lending-related commitments
  • Working knowledge of CECL credit loss accounting standards, with familiarity with the CCAR regulatory framework and stress testing requirements
  • Proficiency in SQL and Python for data extraction, transformation, and analysis of large datasets across Risk, Finance, or related functions
  • Experience with modern data and analytics platforms such as Alteryx, Databricks, ThoughtSpot, or VSCode
  • Hands-on experience with Tableau Desktop
  • Proficiency in Microsoft Excel, PowerPoint, and other Office applications
  • Demonstrated ability to collaborate across diverse groups, build consensus, and execute on agreed plans while managing multiple concurrent workstreams in a fast-paced environment
  • Strong oral and written communication skills, including the ability to distill complex topics into clear, concise messaging for senior management

Preferred qualifications, capabilities, and skills

  • Advanced degree (e.g., MBA, Master's in Finance, Economics, or a quantitative discipline) or professional certification such as Chartered Financial Analyst (CFA) or Financial Risk Manager (FRM)
  • Hands-on experience with quantitative credit risk modeling or model validation within a wholesale lending environment
  • Experience applying AI/LLM tooling within a regulated or control-focused environment

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