Shape credit decisions that power growth across some of the most dynamic sectors in the market. In this role, you will influence high-impact transactions by combining rigorous analysis with commercial judgement. You will work with partners across the region and across products, helping clients navigate both opportunity and downside risk. If you enjoy diving into complex businesses and turning analysis into clear recommendations, this is a chance to make your work matter every day.
Job summaryAs a Wholesale Credit Risk EMEA Associate in the Technology, Media and Telecommunications team, you will assess and manage credit risk for a broad range of clients across the Europe, Middle East and Africa region. You will work closely with partners across corporate banking, markets and product teams to support clients across leveraged, investment grade and innovation-led businesses, including those backed by venture capital. You will help shape credit decisions through high-quality due diligence, thoughtful structuring and clear communication of risk. This role reports into the Vice President - Credit Risk.
Job responsibilities- Lead due diligence, credit analysis, and financial modelling for credit counterparties
- Drive the preparation of credit approval memos, including recommendations on structure, risk appetite, and risk grading
- Build financial models and challenge modelling assumptions with relevant coverage and product partners
- Develop appropriate downside scenarios and clearly articulate key modelling conclusions
- Partner across products including lending, derivatives, trade finance, and treasury products
- Support negotiation of facility documentation to help identify and mitigate key risks
- Apply risk management policies and interact with stakeholders, including regulators and auditors
- Manage ongoing portfolio monitoring, including risk ratings, sector trends, and client performance
- Coach and support the development of junior colleagues
- Strong credit judgement with a proactive approach to risk identification and credit process discipline
- Demonstrated knowledge of transaction structures, facility documentation, and core banking products
- Clear written and verbal communication skills, with the ability to synthesize complex information
- Ability to build credibility and trusted relationships with key stakeholders
- Proven ability to coach and develop junior colleagues
- Self-starting, results-focused, able to manage multiple priorities, and adaptable to change
- Experience in a credit risk function or leveraged finance underwriting environment
- Strong cash flow modelling and financial analysis skills
- Proficiency in European language(s) in addition to English
- Experience working with venture capital-backed clients
- Familiarity with high yield lending and venture term loan structures
- Demonstrated ability to apply a risk-and-return mindset in dynamic environments
- Experience interacting with regulators and auditors
- Confidence challenging and supporting partners on modelling assumptions
- Experience in portfolio management, including monitoring sector trends
Skills Required
- Strong credit judgment and proactive risk identification
- Knowledge of transaction structures, facility documentation, and core banking products
- Clear written and verbal communication skills
- Ability to build trusted stakeholder relationships
- Ability to coach and develop junior colleagues
- Ability to manage multiple priorities and adapt to change
- Experience in credit risk or leveraged finance underwriting
- Strong cash flow modeling and financial analysis skills
- Proficiency in European languages in addition to English
- Experience with venture capital-backed clients
- Familiarity with high-yield lending and venture term loan structures
- Risk-and-return mindset in dynamic environments
- Experience interacting with regulators and auditors
- Confidence challenging and supporting modeling assumptions
- Portfolio management experience, including monitoring sector trends
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.
-
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.
-
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.
-
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.
Gallery
