Wholesale Credit Risk Associate

Responsibilities

• Lead due diligence and prepare detailed credit analyses of counterparties
• Prepare concise credit memoranda with clear recommendations on transaction structure and risk grading
• Build and maintain financial models, challenging key assumptions and designing downside scenarios
• Interpret and negotiate loan documentation, including syndicated and leveraged finance agreements
• Monitor the credit risk portfolio by tracking ratings, sector developments, and client performance
• Assess a broad range of products including loans, derivatives, trade finance, and treasury solutions
• Coordinate with senior stakeholders across banking and product teams to support risk alignment
• Support the development of junior colleagues through coaching and guidance

Requirements

• Demonstrated analytical rigor and sound credit judgment
• Strong capability in financial modelling and scenario analysis
• Knowledge of transaction structures, loan documentation standards, and core banking products
• Proven ability to manage workstreams end-to-end in a dynamic environment
• Clear and effective written and verbal communication skills
• Prior experience in a comparable credit, risk, or banking environment
• Ability to collaborate with and influence internal stakeholders

Preferred Qualifications

• Experience across multiple industry sectors or complex client portfolios
• Exposure to leveraged finance or structured lending transactions
• Experience interacting with senior Credit Officers or risk committees
• Familiarity with regulatory expectations and audit engagement

About the Company

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 Commercial & Investment Bank provides strategic advice, raises capital, manages risk, and extends liquidity in markets around the world.