JPMorgan Wholesale Credit Risk - Associate 

Japan, Tokyo 

675639167

As a Credit Risk - Associate in the Commercial & Investment Bank (CIB) Wholesale Credit Risk team, you will be responsible for diligence, risk grading, structuring, and ongoing monitoring of a diverse and complex portfolio of risks. You will manage high-grade and leveraged loans, asset-based structured financing, extensive derivatives and securities trading relationships, and intra-day liquidity facilities. You will serve as the Credit Officer and primary contact for credit relationships, while also mentoring junior team members.

Job responsibilities

• Manage lending activities and trading-related credit exposures with Japan-based companies, including their overseas subsidiaries across the Corporates and Financial Institution sectors
• Conduct customer due diligence and financial analysis, summarizing findings in written credit approval memos and reviews
• Review and approve trading activity, recommending margin requirements and structural enhancements
• Develop and recommend structural solutions to mitigate risk on structured financings, performing cash flow analysis under stressed scenarios
• Set and communicate credit exposure appetite across trading products using internal exposure methodologies
• Oversee legal negotiations for traded products
• Assess client creditworthiness and assign appropriate credit ratings
• Maintain updated credit research on a portfolio of clients
• Mentor and guide junior resources, managing workloads and ensuring deadlines are met, escalating issues to senior managers as needed
• Lead efficiency projects and assist in training and developing analysts
• Participate in client due diligence meetings

Required qualifications, capabilities, and skills

• Bachelor's Degree
• Experience in credit risk management
• Coursework in accounting and corporate finance
• Strong interest in client interaction with excellent verbal and written communication skills
• Ability to perform well under pressure in a demanding environment
• Proficiency in Excel, PowerPoint, and Word
• Japanese and English language skills

Preferred qualifications, capabilities, and skills

• At least 3 years of experience in financial services (investment banking or similar)