Credit Officer, Senior Associate - Asset Wealth Management

JPMorganChase; San Francisco (CA); On-site; USD 140,000 - 190,000; Full time

Job summary

JPMorganChase is seeking an Asset Wealth Management Credit Risk Senior Associate in San Francisco to assess creditworthiness for high net worth clients and structure loan solutions within a controlled risk framework.

You will analyze personal and entity financial statements, apply BaselIII-based risk grading, collaborate with Front Office, and monitor portfolios, escalating complex risks to senior stakeholders as needed.

Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or Business Management.
• 3+ years of credit risk, 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.

Responsibilities

• Evaluate consumer and business-purpose credit requests per policy.
• Analyze financial statements to assess cash flow and leverage.
• Apply risk grading methodology to determine default probability.
• Assess collateral, structures, covenants, and events of default.
• Document key risks and supporting rationale.
• Present clear credit recommendations.
• Assess cross-border risks impacting client relationships.
• Partner with Front Office to gather information and negotiate structures.
• Manage assigned portfolios, monitor performance, escalate issues.
• Escalate complex matters to Credit Executives with solutions.
• Collaborate with Risk Support and Closing for compliant execution.

Skills

Credit risk

Financial statement analysis

Loan structuring

Risk assessment

Excel

Communication

Documentation

Front Office collaboration

Education

Bachelor's degree in Finance/Accounting/Economics/Business

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Job description

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.

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.

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 Asset & Wealth Management delivers industry-leading investment management and private banking solutions. Asset Management provides individuals, advisors and institutions with strategies and expertise that span the full spectrum of asset classes through our global network of investment professionals. Wealth Management helps individuals, families and foundations take a more intentional approach to their wealth or finances to better define, focus and realize their goals.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.