Credit Officer, Senior Associate - Asset Wealth Management

Credit Risk Senior Associate supporting high net worth lending through rigorous risk assessment and portfolio oversight.

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 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

Preferred Qualifications, Capabilities, and Skills:

Experience supporting wealth management, private banking, or high net worth lending portfolios

Familiarity with regulatory capital frameworks and internal risk rating methodologies

Exposure to cross-border lending or international client structures

Experience partnering directly with Front Office or relationship managers

Prior mentoring or informal leadership experience with junior analysts or support partners

Knowledge of complex lending products, including secured lending and customized credit solutions

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.