Credit Risk - Commercial & Specialized Industries, Senior Associate

As part of Risk Management and Compliance, you help JPMorgan Chase stay strong and resilient by anticipating new and emerging risks and applying your expertise to solve real-world challenges that affect the firm, clients, and communities. Our risk culture emphasizes innovative thinking, challenging the status quo, and pursuing best-in-class performance.

As a Credit Risk Senior Associate in Commercial & Specialized Industries, you will independently manage and analyze a portfolio of clients with revenues between $20 million and $500 million. You will structure new transactions, assess and mitigate risk, and monitor the ongoing health of your credit portfolio. The role offers the chance to work closely with dedicated bankers and cross-functional teams, develop deep client relationships, and contribute to strategic initiatives that drive organizational excellence.

Location: Plano, TX 75024

Responsibilities

• Apply strong credit analysis to structure new transactions and independently manage the assigned credit portfolio.
• Assess risks and mitigants, balance risk and reward, manage renewals, amendments and new transactions, and maintain acceptable credit reporting metrics.
• Develop independent, well-reasoned views and present them clearly to partners and senior leadership, defending your position when appropriate.
• Collaborate proactively with internal and external contacts to keep transactions moving, always acting with urgency to meet internal and client deadlines.
• Partner effectively to cultivate comprehensive client relationships.
• Provide leadership in the market by contributing to the team, embracing change, and participating in projects or improvement initiatives for the organization.
• Demonstrate strong communication skills internally and externally to solve problems and drive favorable outcomes.

Required Qualifications, Skills and Capabilities

• BA/BS/BBA degree is required, with some background in accounting and finance.
• Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures.
• At least 5 years of experience in commercial banking or lending, including extensive credit analysis.
• Working knowledge of accounting and finance.
• Demonstrated excellent verbal and written skills, interpersonal abilities, and analytical and problem-solving capabilities.
• Excellent organizational and project management skills; able to manage competing priorities under tight deadlines.
• Proven ability to collaborate and build strong partnerships.
• Intellectual curiosity with a proven ability to learn quickly.
• High degree of initiative, self-direction, and ability to work well under pressure.

Benefits and Compensation

JPMorgan Chase offers a competitive total rewards package, including base salary determined by the role, experience, skill set, and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. A range of benefits and programs are available based on eligibility, including:

• Comprehensive health care coverage
• On-site health and wellness centers
• 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.

About Us

JPMorgan Chase is one of the oldest financial institutions, delivering innovative financial solutions to millions of consumers, small businesses, and many of the world’s prominent corporate, institutional, and government clients under the J.P. Morgan and Chase brands. Our history spans more than 200 years, and we are a leader across investment banking, consumer and small business banking, commercial banking, financial transaction processing, and asset management.

Team Overview

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services, and payments. Corporations, governments, and institutions worldwide 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.