At a Glance
- Tasks: Evaluate credit risk and structure solutions for trade and working capital financing.
- Company: Join a leading financial institution with a strong risk culture.
- Benefits: Competitive salary, professional development, and opportunities for growth.
- Other info: Collaborate with diverse teams and enhance your analytical skills.
- Why this job: Make an impact by shaping financial solutions in a dynamic environment.
- Qualifications: Experience in credit risk or structured finance is essential.
The predicted salary is between 55000 - 70000 £ per year.
Description
As an Associate in Trade and Structured Working Capital Credit Risk, Europe, Middle East and Africa, you will provide independent credit judgment and constructive challenge on trade and working capital financing transactions.
You will partner with product and coverage teams to help deliver well-structured solutions for clients while maintaining a strong risk culture.
You will spend most of your time on transaction reviews, credit analysis, structuring discussions, documentation assessment, and ongoing portfolio monitoring.
You will also contribute to product evolution and to the policies and controls that support safe growth.
- Job responsibilities
- Evaluate new originations, renewals, and amendments, including structure, borrower and counterparty risk, collateral, repayment sources, and key risk mitigants
- Analyze credit risk using financial, transaction, and portfolio information to form clear, independent recommendations
- Partner with product and coverage teams to shape structures and risk mitigants for transactions in the pipeline
- Review documentation and identify gaps, non-standard terms, and emerging risks; recommend appropriate protections
- Decide on risk positions for variations from standard documentation, product policy, or guidelines, escalating as needed
- Monitor exposures across trade and working capital products and strengthen monitoring frameworks as the portfolio evolves
- Develop portfolio analytics and data-driven insights to improve monitoring, reporting, and risk assessment efficiency
- Collaborate with credit risk management, legal, trade management, and other stakeholders to ensure risk views are reflected in execution
- Support new product structures, policy exceptions, and control design to enable responsible growth
- Document analyses, rationales, and monitoring outputs to maintain strong governance and auditability
- Deliver training to internal partners on trade products and the risks and mitigants that matter most
- Required qualifications, capabilities, and skills
- Relevant experience in credit risk, trade risk, structured finance, or a closely related role
- Demonstrate strong credit underwriting and analytical skills, including ability to assess complex transaction structures
- Show experience with, or a strong interest in, structured working capital finance, export agency-backed financing, or other trade finance products
- Operate effectively in a time-sensitive environment while managing multiple priorities
- Apply sound judgment to assess collateral, repayment sources, documentation terms, and risk mitigants
- Communicate clearly and confidently with stakeholders at different levels of the organization
- Influence outcomes through constructive challenge and solutions-oriented collaboration
- Work independently with a proactive, self-starting approach while partnering well across teams
- Analyze portfolio data to identify key trends and emerging risks
- Use technology-enabled tools to support monitoring, reporting, and decision-making
- Interpret and negotiate legal documentation relevant to trade and working capital transactions
- Preferred qualifications, capabilities, and skills
- Bring experience supporting trade and working capital credit risk across Europe, Middle East and Africa
- Have hands-on experience with supply chain finance, trade loans, and letters of credit
- Demonstrate strong structuring capability on complex, multi-party transactions and related risk mitigants
- Build scalable monitoring approaches (for example, early-warning indicators, concentration views, and counterparty watchlists)
- Use data analytics tooling to automate or streamline portfolio reporting and risk insights
- Contribute to product governance through policy drafting, control design, and exception management
- Present and train effectively, translating technical risk topics into practical guidance for business partners
Trade and Structured Working Capital Credit Risk – EMEA / Associate in London employer: JPMorganChase
JPMorganChase is an exceptional employer, offering a dynamic work environment in Greater London where innovation thrives. With a strong commitment to diversity and inclusion, employees benefit from collaborative agile teams, extensive professional development opportunities, and the chance to work on cutting-edge technology products that shape the future of finance. Join us to be part of a culture that values your contributions and supports your growth.
StudySmarter Expert Advice🤫
We think this is how you could land Trade and Structured Working Capital Credit Risk – EMEA / Associate in London
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
✨Get Certified
Consider pursuing relevant certifications like the CFA or ACCA while you’re job hunting. They not only beef up your CV but also connect you with professional bodies which can lead to networking opportunities and even job openings in banking and financial services.
✨Connect on Professional Platforms
Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
✨Apply Directly and Be Proactive
Don’t shy away from reaching out directly to firms like JPMorganChase. Use their websites and apply through them, but also consider following up with a polite email to express your enthusiasm. Being proactive can make a huge difference in getting noticed in the competitive financial services sector.
We think you need these skills to ace Trade and Structured Working Capital Credit Risk – EMEA / Associate in London
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to JPMorganChase.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on JPMorganChase's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at JPMorganChase
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with JPMorganChase.
✨Prepare for Case Studies
Expect to tackle case studies that demonstrate your problem-solving skills in real-world banking scenarios. Familiarise yourself with the types of problems you might face—think risk assessments or investment evaluations—and be ready to articulate your thought process clearly.
✨Show Your Passion for Finance
Since this is a full-time position, employers at JPMorganChase will be keen to see your genuine interest in finance. Be prepared to discuss recent industry trends or news articles that excite you, showcasing your enthusiasm and engagement with the field.
✨Network with Industry Professionals
Before your interview, reach out to current or former JPMorganChase employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
