Risk Management - Credit Risk Associate

ations, and collaborate with the Asset Based Lending (ABL) Credit Team to deliver collateral‑backed solutions. Your work will directly influence the firm's risk‑return balance while upholding a strong culture of compliance and partnership.

Job Responsibilities

• 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 counterparty 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.

Required Qualifications, Capabilities, and Skills

• 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

Preferred Qualifications, Capabilities, and Skills

• 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)

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 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

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.