Senior Credit Risk Associate - Wealth Management

JPMorgan Chase & Co.; San Francisco (CA); On-site; USD 140,000 - 190,000; Full time

Job summary

JPMorgan Chase is seeking an Asset Wealth Management Credit Risk Senior Associate to support lending activities for high net worth clients. You will assess creditworthiness, structure risk-appropriate loan solutions, and manage ongoing portfolio risk within a regulated environment.

Responsibilities include evaluating financial statements, applying risk grading, and collaborating with Front Office and senior stakeholders to ensure compliant execution of facilities.

Qualifications

• Bachelor’s degree required 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

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

Skills

Credit risk analysis

Financial statement analysis

Excel proficiency

Communication skills

Portfolio management

Problem-solving

Education

Bachelor’s degree in Finance/Economics/Business

Tools

Microsoft Excel

Word

PowerPoint

Job description

JPMorgan Chase is seeking an Asset Wealth Management Credit Risk Senior Associate to support lending activities for high net worth clients. You will assess creditworthiness, structure risk-appropriate loan solutions, and manage ongoing portfolio risk within a regulated environment.

Responsibilities include evaluating financial statements, applying risk grading, and collaborating with Front Office and senior stakeholders to ensure compliant execution of facilities.