Credit Officer, Senior Associate - Asset Wealth Management

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 Asset Wealth Management Credit Risk Senior Associate , you will support lending activities for high net worth and ultra-high net worth clients by assessing creditworthiness, structuring risk-appropriate loan solutions, and managing ongoing portfolio risk.

You will analyze consumer and business-purpose credit requests, evaluate financial statements and collateral, and apply firmwide risk grading methodologies.

The role offers exposure to complex client structures, cross-border considerations, and close collaboration with Front Office and senior Credit stakeholders while operating within a highly controlled regulatory environment.

Job 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

Required Qualifications, Capabilities, and Skills:


* Bachelor's degree required, preferably 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 f...