Trade Credit Risk Associate — Working Capital Leader

J.P. Morgan; New York (NY); On-site; USD 120,000 - 180,000; Full time

Job summary

JPMorgan Chase is seeking a Trade Credit Risk Associate in the Trade Credit Risk, Wholesale Credit Risk group in New York. You will provide independent credit judgement, challenge risk views, and partner with product, sales, coverage, legal, and risk stakeholders to structure well‑governed working capital financing solutions.

You will review originations and amendments, assess documentation terms, advise on credit line requests, and monitor portfolio risk while contributing to risk policies and

Qualifications

• 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.

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

Trade risk

Structured finance

Portfolio analysis

Risk governance

Communication

Analytical judgment

Documentation interpretation

Collaboration

Data-driven insights

Tools

Large language model tools

Job description

JPMorgan Chase is seeking a Trade Credit Risk Associate in the Trade Credit Risk, Wholesale Credit Risk group in New York. You will provide independent credit judgement, challenge risk views, and partner with product, sales, coverage, legal, and risk stakeholders to structure well‑governed working capital financing solutions.

You will review originations and amendments, assess documentation terms, advise on credit line requests, and monitor portfolio risk while contributing to risk policies and