Risk Management - Trade & Working Capital Credit Risk Associate

Fairygodboss; New York (NY); On-site; USD 120,000 - 170,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Trade Credit Risk Associate within Trade Credit Risk, Wholesale Credit Risk.

You will provide independent credit judgment, challenge risk views, and partner with product, sales, and legal teams to structure and monitor working capital financing transactions. You will review new originations, assess risk, and support portfolio monitoring while contributing to risk policies and controls as the portfolio grows.

Qualifications

• Minimum 3 years of experience in credit risk, trade risk, or structured finance.
• Strong credit analysis skills, including transaction structuring and risk identification.
• Experience with structured working capital finance or related trade finance products, or transferable experience from adjacent fields.

Responsibilities

• Review new originations, renewals, and amendments for structured working capital transactions, including structure, obligor and counterparty risk, collateral, and repayment sources
• Analyze key documentation terms and identify risk mitigants to support well-governed approvals
• Advise first-line partners on credit line requests by assessing product suitability, structure, and controls
• Communicate risk views and propose solutions for transactions in the pipeline
• Monitor transaction-level and portfolio-level performance, including emerging risks and concentrations
• Develop risk monitoring frameworks as the portfolio expands and adds product variations
• Apply portfolio analytics and data-driven insights to enhance monitoring, trend detection, and decision support
• Evaluate variations from standard documentation and product guidelines and recommend risk management decisions
• Partner with stakeholders to assess new product structures, policy exceptions, and control solutions
• Support the rollout of new trade products by contributing to risk policies and controls
• Deliver training on trade products and associated risks to internal partners

Skills

Credit risk

Structured working capital

Portfolio analysis

Communication skills

Collaboration

Documentation interpretation

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 Trade Credit Risk Associate in Trade Credit Risk, Wholesale Credit Risk, you provide independent credit judgment and constructive challenge on trade and working capital financing transactions. You partner with product, sales, coverage, legal, and risk stakeholders to deliver well-structured solutions that align risk views with deal execution. You support transaction reviews, documentation assessment, and ongoing portfolio monitoring, while helping strengthen policies, controls, and risk management practices as the platform grows.

Job responsibilities

• Review new originations, renewals, and amendments for structured working capital transactions, including structure, obligor and counterparty risk, collateral, and repayment sources
• Analyze key documentation terms and identify risk mitigants to support well-governed approvals
• Advise first-line partners on credit line requests by assessing product suitability, structure, and controls
• Communicate risk views and propose solutions for transactions in the pipeline
• Monitor transaction-level and portfolio-level performance, including emerging risks and concentrations
• Develop risk monitoring frameworks as the portfolio expands and adds product variations
• Apply portfolio analytics and data-driven insights to enhance monitoring, trend detection, and decision support
• Evaluate variations from standard documentation and product guidelines and recommend risk management decisions
• Partner with stakeholders to assess new product structures, policy exceptions, and control solutions
• Support the rollout of new trade products by contributing to risk policies and controls
• Deliver training on trade products and associated risks to internal partners

Required qualifications, capabilities, and skills

• Minimum 3 years of experience in credit risk, trade risk, or structured finance
• Strong credit analysis skills, including transaction structuring and risk identification
• Relevant experience or strong interest in structured working capital finance or other trade finance products, or transferable experience from adjacent fields such as securitisation and asset financing.
• Ability to work effectively in a time-sensitive environment while managing multiple priorities
• Strong business and analytical judgment with a solutions-oriented approach
• Ability to analyze portfolio data, identify trends, and translate insights into clear risk views
• Comfort using technology-enabled tools (including large language model tools where appropriate) to support monitoring and reporting
• Strong written and verbal communication skills, with ability to tailor messaging to different audiences
• Strong interpersonal skills with the ability to influence decision-making through constructive challenge
• Demonstrated ownership mindset and collaborative approach across partners with differing priorities
• Experience interpreting and negotiating legal documentation

Preferred qualifications, capabilities, and skills

• Experience with supply chain finance, export and agency finance, trade loans, or letters of credit
• Experience supporting new product development, policy design, or control implementation in a risk setting
• Experience reviewing policy exceptions and documenting approvals and controls
• Experience providing training or coaching on product risk topics
• Exposure to portfolios spanning the United States, Canada, and Latin America

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's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.