Wholesale Credit Risk - Consumer, Healthcare, Retail - Associate

Be at the center of critical credit decisions that enable corporate clients to grow and invest responsibly. In this role, you will influence deal outcomes by combining deep financial analysis with sound risk judgment. You will partner closely with senior stakeholders across the business, gaining exposure to a wide range of products, sectors, and transaction structures. This is an opportunity to build strong credit expertise while developing your voice and impact within a global banking environment.

As a Wholesale Credit Associate in the Corporate Credit Risk team, you support informed risk-taking by delivering high-quality credit analysis and recommendations across a diverse portfolio of corporate clients. You work closely with business partners and senior risk leaders to assess transactions, structure solutions, and monitor ongoing exposures. You contribute to disciplined risk management while developing strong technical, communication, and stakeholder management skills.

Job Responsibilities

• Support and, where required, lead due diligence and prepare credit analyses of counterparties.
• Prepare concise credit memoranda with clear recommendations on transaction structure, risk appetite, and credit grading.
• Build, maintain, and review financial models; challenge key assumptions and design downside scenarios.
• Interpret and negotiate loan documentation, including syndicated and leveraged finance agreements, to mitigate risk.
• Monitor and manage the credit risk portfolio, tracking ratings, sector developments, and client performance.
• Identify changes in risk profile and recommend exposure adjustments.
• Assess and support a broad range of products including loans, derivatives, trade finance, and treasury solutions.
• Coordinate with senior stakeholders across banking, product teams, and Credit Officers to support approvals and risk alignment.
• Apply firm risk management policies and engage with control partners, including regulators and auditors.
• Support the development of junior colleagues through coaching and on-the-job guidance.

Required Qualifications, Capabilities, and Skills

• Demonstrated analytical rigor and sound credit judgment, with the ability to identify and communicate key risks.
• Strong capability in financial modelling and scenario analysis across multiple lending contexts.
• Ability to leverage AI-enabled tools to support analysis and improve efficiency.
• Knowledge of transaction structures, loan documentation standards, and core banking products.
• Proven ability to manage workstreams end-to-end, prioritize effectively, and operate in a dynamic environment.
• Clear and effective written and verbal communication skills.
• Ability to collaborate with and influence internal stakeholders.
• Capability to coach and support the development of junior team members.
• Self-directed, adaptable, and motivated to drive continuous improvement.
• Prior experience in a comparable credit, risk, or banking environment.

Preferred Qualifications, Capabilities, and Skills

• Experience across multiple industry sectors or complex client portfolios.
• Exposure to leveraged finance or structured lending transactions.
• Experience interacting with senior Credit Officers or risk committees.
• Familiarity with regulatory expectations and audit engagement.
• Strong stakeholder management skills in a matrix organization.

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.

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.