Commercial & Investment Bank - Credit Risk Associate

Job Description
Are you passionate about managing credit portfolios and building strong client relationships? As a Credit Risk Associate, you'll play a key role in managing the Credit Portfolio, ensuring all credit-related activities align with our internal policies. If you're ready to make an impact and grow your career with us, this is the perfect opportunity.
As an Associate within the Credit Risk team, you will manage counterparty credit exposures and relationships, ensuring all activities are executed, approved, monitored, and reported in line with our guidelines. You'll engage with clients, stay informed about industry trends, and collaborate with various business units to manage credit exposure and support cross-selling efforts.
Job responsibilities

• Assist in the end-to-end execution of transactions, including due diligence, credit analysis, and financial modeling
• Recommend internal credit ratings based on thorough analysis
• Monitor the portfolio, prepare regular reviews, update credit lines, and resolve exceptions
• Support local legal entity risk management in compliance with regulations
• Develop and maintain strong relationships with business front lines
• Anticipate key risks and propose structural solutions to mitigate such risks
• Become an Subject Matter Expert (SME) on sectors covered
• Take strong ownership of the portfolio and lead trades/transactions and manage end-to-end credit processes
• Flex communication style to suit senior/junior/internal/external audiences
• Mentor junior Associates and Analysts in the team

Required qualifications, capabilities, and skills

• Bachelor's Degree in Finance, Economics, Accounting, or a related discipline
• Minimum of 3 years of experience in risk, credit analysis, or financial modeling
• Strong quantitative ability in analyzing and interpreting financial statements
• Credit-trained with the ability to draw well-thought-out conclusions
• Proficient in written and verbal communication in Mandarin Chinese, required to collaborate effectively with teams and stakeholders from China
• Detail-oriented, deadline-driven, and self-motivated
• Understanding of financial statements, ratio analysis, cash flow analysis, and basic accounting standards
• Ability to work proactively and independently, as well as in a team environment

About Us
J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world's most prominent corporations, governments, wealthy individuals and institutional investors. Our first-class business in a first-class way approach to serving clients drives everything we do. We strive to build trusted, long-term partnerships to help our clients achieve their business objectives.
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.
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.