Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.
As an Associate in EMEA Consumer, Healthcare and Retail Wholesale Credit Risk team covering corporate clients in the Commercial & Investment Bank (CIB). You will cover a diversified portfolio of Investment and Non-Investment Grade counterparties, with responsibility for conducting credit analysis, managing portfolio exposures, and reviewing and approving transactions across a wide range of credit products.
Job Responsibilities
- Prepare concise credit memos with clear recommendations on transaction structure, risk appetite, and grading.
- Support due diligence, leading where required, and prepare credit analysis of counterparties.
- Build and maintain financial models; challenge key assumptions, design downside scenarios, and articulate modelling conclusions to stakeholders.
- Negotiate and interpret loan documentation (including LMA standards and leveraged finance) and derivative or other facility terms to mitigate risk.
- Manage and monitor the credit risk portfolio across sectors and products, including ongoing tracking of ratings, sector trends, and client performance; proactively adjust limits and manage exposures.
- Cover a broad product set, including secured and unsecured loans, derivatives, trade finance, and treasury products.
- Coordinate with senior leaders across the Commercial & Investment Bank, product specialists, and senior Credit Officers to align risk decisions and approvals.
- Apply firm risk management policies and engage with control stakeholders, including Regulators and Auditors.
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Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
Required qualifications, capabilities, and skills
- Demonstrated analytical rigor and credit judgment, with the ability to identify, quantify, and communicate key risks.
- Proficiency in financial modelling and scenario analysis relevant to a range of lending contexts (investment grade, leveraged lending, venture lending).
- Familiarity in leveraging AI tools to support analysis and enhance efficiency.
- Knowledge of transaction structures, loan documentation (LMA, leveraged finance), and banking products sufficient to support negotiation and execution.
- Strong project management capability with end-to-end ownership of workstreams; effective prioritization and multi-tasking in a dynamic environment.
- Clear, effective written and verbal communication; ability to establish credibility with clients and internal stakeholders.
- Ability to coach and develop junior colleagues.
- Self-directed, results-oriented, adaptable, and motivated to drive continuous improvement.
- Prior experience in a comparable credit or risk environment.
- Bachelor's degree in finance, Accounting, or related area (advanced degree a plus).
Preferred qualifications, capabilities, and skills
- Previous experience (2-3+ years) in a Credit Risk department or leveraged finance underwriting, including skills in cash flow modelling and financial analysis.
- Familiarity with corporate business models, sponsor dynamics, and covenant packages
- Strong stakeholder management skills in a matrix organization
- Working towards / having a professional certification (e.g. CFA, FRM) are considered a plus
About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
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.
Skills Required
- Demonstrated analytical rigor and credit judgment, including the ability to identify, quantify, and communicate key risks
- Proficiency in financial modeling and scenario analysis across investment-grade, leveraged lending, and venture lending contexts
- Familiarity with using AI tools to support analysis and improve efficiency
- Knowledge of transaction structures, LMA and leveraged finance documentation, and banking products
- Strong project management skills with end-to-end workstream ownership, prioritization, and multitasking
- Clear written and verbal communication skills and ability to establish stakeholder credibility
- Ability to coach and develop junior colleagues
- Self-directed, results-oriented, adaptable, and committed to continuous improvement
- Prior experience in a comparable credit or risk environment
- Bachelor's degree in finance, accounting, or a related area
- Two to three or more years of experience in credit risk or leveraged finance underwriting, including cash flow modeling and financial analysis
- Familiarity with corporate business models, sponsor dynamics, and covenant packages
- Strong stakeholder management skills in a matrix organization
- Professional certification such as CFA or FRM, completed or in progress
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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