Job Description

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 and credit analysis
• 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

Required qualifications, capabilities, and skills

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

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.