Risk Management - Credit Officer - Senior Associate

Senior Associate Credit Officer

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 judgment 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 a Senior Associate Credit Officer within Corporate Risk Management, you will manage credit risk for the Merchant Services Wholesale Credit portfolio through ongoing credit monitoring, analyzing financial statements, determining appropriate risk ratings, and exerting credit approval authority, as applicable for the role. Recognize possible risks a client's business may pose to the firm while providing recommendations to mitigate such risks. Maintain consistency and quality of credit reviews through high quality assessments and escalate any identified risks and trends. Complete all assigned credit reviews and ad-hoc reviews / tasks within timelines. Participate in ongoing projects / process improvement efforts as appropriate. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities:

• Evaluate and approve existing merchant relationships including: financial statement review, cash-flow analysis, transaction trend analysis, assessment of the business model, product/service risk evaluation, customer concentration assessment, and review of refund and chargeback exposure.
• Identify and escalate problem credits promptly, and negotiate effectively to protect the bank's interests.
• Demonstrate strong proficiency in financial analysis, products, and key risk factors; defend credit ratings confidently.
• Apply strong financial analysis and product knowledge, incorporating relevant macro- and microeconomic factors and risks.
• Deliver well-supported credit decisions through effective stakeholder engagement.
• Meet monthly timelines and take ownership of deliverables by proactively following up with stakeholders to complete reviews and requests.
• Build and maintain strong relationships with internal stakeholders, including Relationship Managers and Legal.
• Monitor industry trends and credit risk management best practices to strengthen decision-making and maintain a competitive edge.

Required qualifications, capabilities, and skills:

• Bachelor's degree in Finance, Economics, Accounting, or a related discipline.
• 3+ years of experience in credit risk underwriting, commercial lending, payments risk or portfolio management.
• Strong financial analysis skills and the ability to write clear, well-structured credit memos.
• Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining strong attention to detail.
• Ability to explain decisions using data and sound rationale, and to escalate appropriately when needed.
• Excellent verbal and written communication and problem-solving skills.
• Proven ability to prioritize, plan, and manage processes to complete credit analysis and related assignments.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
• Sound judgment under time pressure; ability to balance risk vs. commercial objectives
• Stakeholder management (Risk, Sales, Operations, Legal/Compliance as applicable)
• Ability to explain decisions with data + rationale, and escalate appropriately

Preferred qualifications, capabilities, and skills:

• Strong financial analysis and clear written credit memo
• Sound judgment under time pressure; ability to balance risk vs. commercial objectives
• Stakeholder management (Risk, Sales, Operations, Legal/Compliance as applicable)
• Ability to explain decisions with data + rationale, and escalate appropriately

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

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.