Credit Risk Associate: Corporate Banking & Finance

Testing Site - JPMC; Paris; On-site; EUR 90,000 - 135,000; Full time

Job summary

Testing Site - JPMC is seeking a Corporate Associate in Commercial & Investment Bank to assess counterparties, structure transactions, and manage a diverse credit risk portfolio. You will collaborate with product specialists and senior Credit Officers to align risk decisions and approvals, while engaging with control stakeholders.

You will apply firm risk management policies, coach junior talent, and drive continuous improvement across our credit processes.

Qualifications

• Minimum 3 years of experience in credit risk, underwriting, or corporate banking.
• 2+ years building financial models and performing scenario analysis across investment grade, leveraged lending, or venture lending contexts.
• Proficiency using AI tools to support analysis and improve efficiency.
• Strong knowledge of transaction structures and loan documentation, including LMA standards and leveraged finance terms.
• Experience negotiating and interpreting derivative or other facility terms to mitigate risk.
• Proven end-to-end project management with effective prioritization and multi-tasking in a dynamic environment.
• Clear, effective written and verbal communication; credibility with clients and internal stakeholders.
• Ability to coach and develop junior colleagues through structured learning and feedback.
• Self-directed, results-oriented, and adaptable, with a track record of driving continuous improvement.

Responsibilities

• Lead due diligence on counterparties and prepare clear, decision-ready credit analyses.
• Draft concise credit memos with recommendations on structure, risk appetite, and grading.
• Build and maintain three-statement and cash flow models; design downside scenarios and challenge assumptions.
• Negotiate and interpret loan documentation, including Loan Market Association standards and leveraged finance terms, to mitigate risk.
• Manage and monitor a multi-sector credit portfolio; track ratings, sector trends, and client performance; proactively adjust exposures.
• Cover products across secured and unsecured loans, derivatives, trade finance, and treasury.
• Coordinate risk decisions and approvals with senior leaders, product specialists, and senior Credit Officers.
• Apply firm risk management policies; interface with Regulators and Auditors on credit matters.
• Present modeling conclusions and risk views clearly to stakeholders.
• Develop junior talent through structured coaching, on-the-job training, and formal learning sessions.
• Drive process improvements that enhance speed, control, and analytical quality.

Skills

Analytical rigor

Credit judgment

Client communication

Coaching junior colleagues

Project management

Tools

AI tools for analysis

Financial modeling software

Job description

Testing Site - JPMC is seeking a Corporate Associate in Commercial & Investment Bank to assess counterparties, structure transactions, and manage a diverse credit risk portfolio. You will collaborate with product specialists and senior Credit Officers to align risk decisions and approvals, while engaging with control stakeholders.

You will apply firm risk management policies, coach junior talent, and drive continuous improvement across our credit processes.