Job Description

Want to make an immediate impact in Loan Operations? Join a team where your organization, accuracy, and problem‑solving keep complex loan transactions moving. You’ll collaborate across regions, sharpen your regulatory and control skills, and grow through hands‑on ownership of critical processes. Bring your initiative—we’ll support your development and celebrate your impact.

As an Associate within Loan Operations, you ensure smooth execution across the loan lifecycle—from pre‑closing through repayments, interest and fees, and deal closing activities. You will coordinate with overseas hub teams and agency partners, maintain strong controls and reconciliations, and deliver accurate regulatory reporting. You will handle client and internal inquiries with urgency, manage documentation and records, and support new product implementations. Together, we will strengthen risk management and deliver reliable outcomes for clients and stakeholders.

We support bilateral and syndicated loan activities end to end, partnering with agency, hub operations, finance, technology, and trade operations. Our culture emphasizes accountability, continuous improvement, and clear communication across regions and time zones.

Job responsibilities

• Support pre‑closing activities to ensure readiness for drawdown and closing
• Coordinate with overseas hub operations to complete drawdowns, repayments, interest and fee settlements, assignments, and participations without issues
• Monitor and manage agency services in partnership with overseas agency teams
• Handle client and internal inquiries promptly and professionally
• Prepare and validate regulatory reports with complete evidence and sign‑offs
• Perform general ledger reconciliations and resolve breaks with documented root causes
• Maintain loan documentation and internal records in audit‑ready condition
• Produce and maintain internal management reports to track metrics and controls
• Support inspections and audits with timely data, evidence, and responses
• Contribute to new product implementations by defining operational requirements and controls
• Partner with trade operations to support related workflows and handoffs

Required qualifications, capabilities, and skills

• Bachelor's degree
• At least 5 years of experience in the financial services industry
• Good communication skills in Japanese and English
• Ability to partner effectively with internal and external stakeholders across regions
• Time management, organization, and attention to detail in a deadline‑driven environment
• Ability to identify issues independently, analyze root causes, and implement viable solutions
• Proactive approach to identifying, escalating, and managing issues and exceptions
• Break investigation and resolution discipline with clear documentation
• Strong risk management mindset with experience managing exceptions and controls

Preferred qualifications, capabilities, and skills

• Prior experience in Banking Operations
• Good understanding of bank loans
• Prior experience leading or coordinating a team
• Familiarity with regulatory reporting frameworks relevant to lending

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.