Wholesale Credit Risk Reporting Analyst at J.P. Morgan

Start Date:
Bournemouth South West
Programme Type:
Apprenticeship - Advanced Level (Level 3)
£13,000 annually
Review Date:
May 2015

Review Score


1. Please give an overview of your role and what this involves on a day-to-day basis:


My job role consists of performing analysis on the wholesale credit portfolio and supporting the production of reports for senior credit risk management, based on internal credit risk policies and local management requirements.

2. Have you learnt any new skills or developed existing skills?


I have learnt many new skills whilst in my current job role. Coming into JP Morgan, I had never used Excel - now I use confident in using Excel as well as VBA coding to create macros. I have gained a vast amount of technical and business knowledge with the help of my training providers as well as colleagues. As well as this, I have gained 'soft skills' and have become a lot better with time management and my organisational skills.

3. To what extent do you enjoy your programme?


I thoroughly enjoy the JP Morgan apprenticeship programme. I knew that uni was not the path for me and I am over the moon that I picked JP Morgan's apprenticeship scheme. I feel like an integral part of my team and enjoy coming into work everyday. I have also gained a close knit group of friends from the scheme, which really helped my transition from Sixth Form to the workplace. The highly relevant qualification we are undertaking is going to look great paired with our 18 months experience on our CVs and has enhanced my knowledge of the business tenfold.

4. How valued do you feel by J.P. Morgan?


As mentioned before, I definitely feel like a valued member of my team and department. I work with people across all different grades and I am never seen as 'the apprentice', I am considered to be just like my colleagues. When asking for help and advice, everyone is patient and willing to put time aside to help eachother out, I am never made to feel embarrased or silly by any questions I may ask. I am actively encouraged to get involved in tasks outside my BAU, with my department having many focus group and events to get involved in. This also makes me feel valued as I am actively picked to participate.

5. How well organised/structured is your programme?


The programme is well structured. We can contact the training providers as well as the programme coordinators at any time and will receive prompt responses. As part of our qualification, we have to complete workbooks and these are due monthly and chased up if not sent. Regular one to ones are set up in order to check our progress and ensure that we have no issues or concerns.

6a. How much support do you receive from your training provider?


Support is provided by the training providers in many aspects. We have weekly tutoring sessions from 9 till 4 on a Monday and this helps to ensure we will easily pass our exams. The tutors are a great help and will answer any questions you may have, sometimes even staying behind after the lectures in order to answer everyones queries. For our workbooks we have one to one meetings with an assessor who helps to keep us on track.

6b. How much support do you receive from your employer?


I recieve an immense amount of support from my team. They understand that I have apprenticeship commitments (such as working a 4 day week) and they take this into consideration when making any team changes. I have bi-weekly meetings with my manager and he checks that I'm making good progress and offers to put time aside to help out with workbooks or training if I need it. Study leave is provided if I request it before my exams which is helpful as it gives me the whole day to prepare as opposed to just evenings when I may be tired.

7. How well does your salary/package meet your costs?


Although I pay rent I am still living at home with my family, so the salary I recieve is great for an apprenticeship and covers my living costs. I usually find that I have money left at the end of the month and this means I can put it towards saving for a mortagage. As a 19 year old I will be looking to move out in the near future and the apprenticeship salary is really helping me to save. I have no complaints.

8. Are there many opportunities outside of work?


As I mentioned before, my department has set up many focus group and teams which mean that you get to be involved in many different activities which are vastly different to your BAU. JP Morgan also run many Business Resource Groups (BRGs) which you can join and be part of. For example, I am part of NextGen - a BRG looking to support young workers who aspire to further their career. They offer training sessions and networking events which get you involved with many different types of people.

9. Would you recommend J.P. Morgan to a friend?


9b. Why?

I feel that working at JP Morgan has really helped me to grow as a person. It's a positive environment to be in everyday and everyone is polite, helpful and hardworking. There are so many opportunities for you to progress through your career and JP Morgan actively promote growth and change in the form of internal job changes. If you are looking for somewhere to really carve out a career then JP Morgan is perfect.

10. What tips or advice would you give to others applying to J.P. Morgan?

They really appreciate every type of individual, so it's important to just be yourself. One tip I would give to everyone is to be proactive, show that you have initiative and that will definitely make you stand out.

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