Credit Officer, Senior Associate - Asset Wealth Management

JPMorgan Chase & Co.; San Francisco (CA); On-site; USD 110,000 - 170,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a senior Asset Wealth Management Credit Risk Associate in San Francisco to assess creditworthiness and structure risk-appropriate loan solutions for high-net-worth clients.

You will evaluate financial statements, collateral, and complex loan structures while collaborating with Front Office and senior Credit stakeholders in a highly controlled environment. You will apply Basel III-aligned risk grading, manage portfolios, and identify emerging risks, delivering

Qualifications

• Bachelor’s degree in Finance or related field.
• 3+ years in credit risk, underwriting, or portfolio management.
• Strong financial statement analysis and cash flow assessment.
• Ability to assess collateral and loan structures.
• Proficient in Excel, PowerPoint, Word.
• Excellent written and verbal communication.
• Teamwork and client-focused mindset.

Responsibilities

• Evaluate consumer and business credit requests per approved policies.
• Analyze financial statements to assess cash flow, leverage, liquidity, and balance sheet strength.
• Apply risk methodologies to determine probability of default and Basel III compliance.
• Assess collateral, loan structures, covenants, and events of default.
• Identify and document key credit risks with mitigating factors.
• Formulate and present clear credit recommendations with rationale.
• Collaborate with Front Office and Risk partners on loan structures.
• Monitor portfolios, identify emerging risks, and escalate issues as needed.
• Escalate complex matters to Credit Executives with proposed solutions.
• Coordinate with Risk Support and Closing to ensure compliant execution of facilities.

Skills

Credit risk

Financial analysis

Credit underwriting

Portfolio management

Excel

Communication

Problem solving

Attention to detail

Education

Bachelor’s degree

Finance background

Tools

PowerPoint

Word

MS Office

Job description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance,you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As an Asset Wealth Management Credit Risk Senior Associate , you will support lending activities for high net worth and ultra‑high net worth clients by assessing creditworthiness, structuring risk‑appropriate loan solutions, and managing ongoing portfolio risk. You will analyze consumer and business-purpose credit requests, evaluate financial statements and collateral, and apply firmwide risk grading methodologies. The role offers exposure to complex client structures, cross‑border considerations, and close collaboration with Front Office and senior Credit stakeholders while operating within a highly controlled regulatory environment.

Job Responsibilities:

• Evaluate consumer and business-purpose credit requests in accordance with approved Credit Risk policies, standards, and guidelines
• Analyze personal, business, and entity-level financial statements to assess cash flow, leverage, liquidity, and balance sheet strength
• Apply JPMorganChase Wholesale Risk Grading Methodology to determine probability of default and ensure compliance with Basel III regulatory requirements
• Assess collateral, loan structures, covenants, and events of default to evaluate potential loss severity in stress or default scenarios
• Independently identify, assess, and clearly document key credit risks and mitigating factors impacting repayment capacity
• Formulate and present clear credit recommendations supported by concise, well-reasoned analysis and rationale
• Evaluate geopolitical, jurisdictional, and cross‑border risks impacting domestic and international client relationships
• Partner with Front Office to gather required information, negotiate loan structures, and propose alternative solutions where appropriate
• Actively manage assigned credit portfolios, including monitoring performance, identifying emerging risks, and escalating issues as needed
• Escalate complex or higher-risk matters to Credit Executives with proposed solutions and next steps
• Collaborate with Risk Support and Closing partners to ensure timely, controlled, and compliant execution of approved credit facilities

Required Qualifications, Capabilities, and Skills:

• Bachelor’s degree required, preferably in Finance, Accounting, Economics, or Business Management
• 3+ years of relevant experience in credit risk, credit underwriting, portfolio management, or related financial analysis roles
• Strong working knowledge of financial statement analysis, cash flow assessment, and credit risk fundamentals
• Demonstrated ability to assess collateral, loan structures, covenants, and default scenarios
• Proficient in Microsoft Excel, Word, and PowerPoint, with the ability to present complex analysis clearly
• Strong analytical, organizational, and problem-solving skills with exceptional attention to detail
• Effective written and verbal communication skills, including the ability to articulate risk to various stakeholders
• Ability to work effectively with colleagues at all levels, including senior risk and front office partners
• Proven ability to operate in a high-production, deadline-driven environment while meeting quality standards
• Strong commitment to teamwork, collaboration, and a client-focused mindset

Preferred Qualifications, Capabilities, and Skills:

• Experience supporting wealth management, private banking, or high net worth lending portfolios
• Familiarity with regulatory capital frameworks and internal risk rating methodologies
• Exposure to cross-border lending or international client structures
• Experience partnering directly with Front Office or relationship managers
• Prior mentoring or informal leadership experience with junior analysts or support partners
• Knowledge of complex lending products, including secured lending and customized credit solutions

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.