Risk Management - Credit Risk Associate

JPMorganChase; Chicago (IL); On-site; USD 125,000 - 140,000; Full time

Job summary

JPMorgan Chase is seeking a Risk Management - Credit Risk Associate in Chicago, with responsibilities spanning credit risk assessment, portfolio stewardship, and cross‑functional collaboration. The role emphasizes rigorous analysis, independent decision making, and clear communication with senior stakeholders.

You will work with coverage banking, treasury services, and product teams to shape credit structures, monitor portfolios, and drive risk‑aware decisions across the United States.

Qualifications

• Bachelor's degree required.
• 3 years of credit risk, underwriting, or portfolio management experience.
• Ability to analyze financial statements, liquidity, leverage, and cash flow drivers.
• Experience presenting to senior stakeholders.

Responsibilities

• Identify and evaluate key risk factors across assigned clients and subsectors.
• Lead client due diligence meetings and synthesize findings into risk views.
• Develop credit structures and prepare approval materials.
• Monitor portfolio performance and ensure current risk ratings.
• Negotiate terms and review legal documentation.

Skills

Credit risk analysis

Portfolio management

Credit approval write‑ups

Communication

Independent work

Education

Bachelor's degree

Tools

Microsoft Excel

PowerPoint

Microsoft Office

Job description

Risk Management - Credit Risk Associate

Job Information

Job Identification

210785291

Job Category

Associates

Business Unit

Commercial & Investment Bank

Posting Date

09/08/2026, 12:00 PM

Locations

10 S Dearborn St, Chicago, IL, 60603, US

Apply Before

10/09/2026, 12:00 PM

Job Schedule

Full time

Base Pay/Salary

Chicago,IL $125,000.00-$140,000.00; Plano,TX $125,000.00-$140,000.00

Job Description

Help shape smart credit decisions for leading financial services companies across the United States. In this role, your judgment will directly influence how we structure exposures, manage risk, and support client growth. You’ll partner closely with coverage banking, treasury services, and product teams on complex transactions and ongoing portfolio stewardship. If you’re rigorous, curious, and comfortable driving decisions with incomplete information, you’ll thrive here. Join a team where strong risk management and strong client partnership go hand in hand.

As a Credit Officer in the Commercial & Investment Bank Financial Institutions Group - Streamlined Risk Team, you will lead credit risk management for a portfolio of financial services clients across multiple subsectors. You’ll assess risk, design and recommend credit structures, and drive credit approvals in close partnership with coverage and product teams. You’ll also monitor portfolio performance, keep risk ratings current and forward-looking, and elevate emerging concerns early. This role offers broad exposure across treasury management and trading-related products and pathways to expanded underwriting responsibilities over time.

Job Responsibilities

• Identify and evaluate key risk factors across assigned clients, products, and industry subsectors.
• Lead client due diligence meetings and synthesize findings into clear risk views.
• Engage with clients, bankers, and internal partners to build understanding of business models, financials, and competitive dynamics.
• Develop and recommend credit structures aligned to risk, including collateral and key terms.
• Prepare credit approval materials and present recommendations to the appropriate approval level.
• Ensure adherence to credit risk and related policies, including approval authorities and documentation standards.
• Negotiate collateral, covenants, and other terms in partnership with deal teams.
• Review and negotiate legal and trading documentation to confirm alignment with approved credit terms.
• Monitor portfolio clients continuously and maintain current, forward-looking risk ratings.
• Identify deteriorating credits early and drive proactive risk mitigation and problem-credit management.
• Deliver annual reviews and ad hoc portfolio reporting to senior management and coordinate with Credit Services to keep systems data accurate.

Required qualifications, capabilities, and skills

• Bachelor's degree.
• 3 years of experience in credit risk, underwriting, portfolio management, or a closely related risk role.
• Demonstrated ability to analyze financial statements, liquidity, leverage, and cash flow drivers.
• Experience preparing credit approval write-ups and presenting recommendations to senior stakeholders.
• Proven ability to operate independently with minimal day-to-day direction.
• Strong written and verbal communication skills, including the ability to explain risk clearly and concisely.
• Experience working in cross-functional deal teams and managing multiple deadlines.
• Strong relationship-management skills with internal partners and external clients.
• Ability to identify emerging risks and take proactive action on deteriorating situations.
• Commitment to a strong control environment and policy adherence.
• Proficiency in Microsoft Excel, PowerPoint, and Microsoft Office tools.

Preferred qualifications, capabilities, and skills

• Experience covering financial services subsectors such as insurance, asset management, private equity, payments, exchanges, mortgage finance, or lender finance.
• Experience with treasury management and payment products (for example, automated clearing house debits/credits, letters of credit, corporate cards, intraday overdraft).
• Familiarity with securities or over-the-counter derivatives exposures and related credit risk considerations.
• Experience negotiating collateral agreements and trading documentation.
• Knowledge of bank credit policies and procedures.
• Experience presenting portfolio reviews or risk themes to senior leadership.
• Interest in progressing toward broader underwriting responsibilities over time.