Risk Management - Credit Risk Associate

Job Description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase 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.

• Manage and monitor a portfolio of client credit exposures across Business Services subsectors (e.g., facilities management, outsourcing, staffing, security services, consulting firms, etc.).
• Track exposure across loans, revolvers, term loans, letters of credit, ABL facilities, and derivatives; ensure compliance with limits, covenants, and internal risk appetite.
• Conduct scenario analysis/stress testing on leverage, liquidity, and cash flow resilience.
• Take ownership of client credit needs and independently develop credit opinions.
• Build and review pro forma capital structures and cash flow projection models; assess debt capacity, deleveraging paths, interest coverage, liquidity, and covenant headroom.
• Manage credit due diligence process for clients and capital markets transactions, coordinating third‑party reports, management meetings, and site visits.
• Assess counter party credit risk using SA-CCR/PFE methodologies; monitor exposure, collateral thresholds, and margining under CSA.
• Coordinate with Treasury Services, Payments Risk, and Implementation teams to align product structures, collateralization/guarantees, and documentation with credit appetite.
• Collaborate with Global Corporate Banking Coverage, Debt Capital Markets, Investment Banking Coverage, and Syndicate teams.
• Stay current on all aspects of credit relationships, including exposure, compliance, documentation status, and ongoing credit research.

• Bachelors degree
• Completion of a major corporate bank credit training program or equivalent experience
• Minimum of 3 years of related experience in credit risk, leveraged finance, or corporate finance
• Strong accounting and corporate finance expertise; proven analytical and financial modeling ability
• Proficiency in Excel, PowerPoint, and Word; ability to produce concise, decision‑ready materials
• Outstanding verbal and written communication; strong interpersonal skills; ability to perform under pressure in a demanding environment

• MBA or CFA designation
• Familiarity with rating agency methodologies and stress testing practice
• Experience with ABL structures, borrowing base analysis, and collateral diligence
• Knowledge of loan and derivative products, documentation, and structuring; experience negotiating legal documents associated with credit products
• Experience negotiating legal documents associated with credit products
• Sector familiarity beyond Business Services (e.g., Consumer, Retail, Healthcare, Diversified Industries, Automotive, Transportation, Aerospace, Defense, Airlines, Natural Resources, Energy)

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility.

These benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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 for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans