Global Research - Credit Research Analyst, Retail & Consumer - Analyst or Associate

Research is fast-paced, challenging and intellectually stimulating—and you will be close to the market every day. You will join a highly regarded European Credit Research team where your analysis helps clients and internal partners navigate complex credit stories. You will build deep sector and company expertise, strengthen your modelling and valuation skills, and develop your voice with senior mentorship. If you are curious, analytical and ready to make an impact, we would like to hear from you. As a Credit Research Analyst or Associate in the European Credit Research team, you will support industry and company-specific coverage across European credit. You will analyse earnings, regulatory filings and news flow, build financial models, and contribute to valuation and written research. You will work closely with sales and trading partners to deliver timely market updates and actionable insights. You will also engage with internal and external clients and company management teams as part of comprehensive coverage. Job responsibilities • Analyse company fundamentals, earnings and key disclosures to assess credit quality and relative value. • Monitor and interpret industry dynamics and news events affecting issuers and sectors. • Build and maintain financial statement models, forecasts and valuation frameworks. • Draft research notes and contribute to broader sector and thematic publications. • Present investment views and key takeaways to internal partners and external clients. • Respond to client and internal requests with timely market updates and market intelligence. Required qualifications, capabilities, and skills • Experience in an analytical role with relevant sector exposure (e.g., research, investment banking, accounting, or a rating agency). • Strong accounting and finance foundations, including the ability to interpret financial statements and disclosures. • Proven financial modelling, forecasting and valuation skills. • Proficiency in Microsoft Excel, PowerPoint and Word. • Strong written communication skills, with the ability to communicate ideas clearly through documentation. • Strong verbal communication and interpersonal skills, with the ability to engage and influence stakeholders. • Sound judgement and a disciplined approach to decision-making. • High attention to detail and an adaptable, collaborative working style. Preferred qualifications, capabilities, and skills • Proficiency in a modern European language (in addition to English).   This role encompasses the performance of UK regulated activity. The successful candidate will therefore be subject to meeting UK regulatory requirements in the assessment of fitness, propriety, knowledge and competence (as assessed by the Firm) and (where appropriate) approval by the UK Financial Conduct Authority and/or the Prudential Regulation Authority to carry out such activities. J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.    We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs [https://careers.jpmorgan.com/us/en/how-we-hire/faqs] for more information about requesting an accommodation. J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.