Risk Management - Credit Risk Associate

JPMorgan Chase & Co.; Chicago (IL); On-site; USD 110,000 - 140,000; Full time

Job summary

JPMorgan Chase & Co. in the United States seeks a Credit Officer in Commercial & Investment Bank Financial Institutions Group to lead credit risk management for a diverse portfolio of financial services clients.

You will design structures, drive approvals, monitor risk ratings, and partner with coverage and product teams across subsectors. The role emphasizes strong risk judgment, detailed due diligence, and collaboration to advance underwriting responsibilities over time within treasury,

Qualifications

• Bachelor’s degree required.
• 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.

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.

Skills

Credit risk

Underwriting

Portfolio management

Credit approvals

Risk assessment

Stakeholder mgmt

Financial analysis

Cross-functional teamwork

Excel / Office

Education

Bachelor’s degree

Tools

Excel

PowerPoint

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 aCredit Officerin theCommercial & 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

• Identifyandevaluatekey risk factors across assigned clients, products, and industry subsectors.
• Leadclient due diligence meetings andsynthesizefindings into clear risk views.
• Engagewith clients, bankers, and internal partners tobuildunderstanding of business models, financials, and competitive dynamics.
• Developandrecommendcredit structures aligned to risk, including collateral and key terms.
• Preparecredit approval materials andpresentrecommendations to the appropriate approval level.
• Ensureadherence to credit risk and related policies, including approval authorities and documentation standards.
• Negotiatecollateral, covenants, and other terms in partnership with deal teams.
• Reviewandnegotiatelegal and trading documentation to confirm alignment with approved credit terms.
• Monitorportfolio clients continuously andmaintaincurrent, forward-looking risk ratings.
• Identifydeteriorating credits early anddriveproactive risk mitigation and problem-credit management.
• Deliverannual reviews and ad hoc portfolio reporting to senior management andcoordinatewith 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.