Credit Officer, Senior Associate - Asset Wealth Management
Not Disclosed•Full-TimeOn-site
location_onFirst Drive West, San Francisco, California, 94129, United States
About the Team
As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. Our culture is defined by thinking outside the box, challenging the status quo, and striving to be best-in-class. We help the firm grow its business in a responsible way by anticipating new and emerging risks, using expert judgment to solve real-world challenges that impact our company, customers, and communities.
About the Role
As an Asset Wealth Management Credit Risk Senior Associate, you will support lending activities for high net worth and ultra-high net worth clients. This role exists to assess creditworthiness, structure risk-appropriate loan solutions, and manage ongoing portfolio risk within a highly controlled regulatory environment.
You will analyze consumer and business-purpose credit requests, evaluate financial statements and collateral, and apply firmwide risk grading methodologies. The position offers exposure to complex client structures and cross-border considerations, requiring close collaboration with Front Office and senior Credit stakeholders. Your day-to-day involves independently identifying and documenting key credit risks, formulating clear recommendations, and actively managing assigned credit portfolios to monitor performance and escalate emerging issues.
Hiring Process
This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorgan Chase's review of criminal conviction history, including pretrial diversions or program entries.
Work location
Work model: On-site
First Drive West, San Francisco, California, 94129, United States
San Francisco, California
Key Responsibilities
- check_circleEvaluate consumer and business-purpose credit requests in accordance with approved Credit Risk policies
- check_circleAnalyze personal, business, and entity-level financial statements to assess cash flow and leverage
- check_circleApply Wholesale Risk Grading Methodology to determine probability of default and ensure Basel III compliance
- check_circleAssess collateral, loan structures, covenants, and events of default to evaluate potential loss severity
- check_circleIdentify, assess, and document key credit risks and mitigating factors impacting repayment capacity
- check_circleFormulate and present clear credit recommendations supported by well-reasoned analysis
- check_circleEvaluate geopolitical, jurisdictional, and cross-border risks impacting client relationships
- check_circlePartner with Front Office to gather information, negotiate loan structures, and propose solutions
- check_circleActively manage assigned credit portfolios by monitoring performance and identifying emerging risks
- check_circleEscalate complex or higher-risk matters to Credit Executives with proposed solutions
- check_circleCollaborate with Risk Support and Closing partners to ensure timely and compliant execution of credit facilities
Requirements
- verifiedBachelor's degree in Finance, Accounting, Economics, or Business Management
- verified3+ years of relevant experience in credit risk, credit underwriting, portfolio management, or financial analysis
- verifiedProficient in Microsoft Excel, Word, and PowerPoint
- verifiedSubject to Section 19 of the Federal Deposit Insurance Act (criminal conviction history review)
Nice to Have
Experience supporting wealth management, private banking, or high net worth lending portfolios. Familiarity with regulatory capital frameworks and internal risk rating methodologies. Exposure to cross-border lending or international client structures. Experience partnering directly with Front Office or relationship managers. Prior mentoring or informal leadership experience with junior analysts or support partners. Knowledge of complex lending products, including secured lending and customized credit solutions.
Similar Job Opportunities
Skills, education and keywords
Skills: Financial Statement Analysis, Cash Flow Assessment, Credit Risk, Credit Underwriting, Portfolio Management, Financial Analysis, Collateral Assessment, Loan Structures, Covenants, Default Scenarios.
Education: Bachelor's degree required in Finance, Accounting, Economics, or Business Management.
Frequently asked questions about Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase
What does a Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase do?expand_more
A Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase is responsible for the following: Evaluate consumer and business-purpose credit requests in accordance with approved Credit Risk policies; Analyze personal, business, and entity-level financial statements to assess cash flow and leverage; Apply Wholesale Risk Grading Methodology to determine probability of default and ensure Basel III compliance; and Assess collateral, loan structures, covenants, and events of default to evaluate potential loss severity.
What are the requirements for this Credit Officer, Senior Associate - Asset Wealth Management role?expand_more
JPMorganChase is looking for candidates who meet the following requirements: Bachelor's degree in Finance, Accounting, Economics, or Business Management; 3+ years of relevant experience in credit risk, credit underwriting, portfolio management, or financial analysis; Proficient in Microsoft Excel, Word, and PowerPoint; and Subject to Section 19 of the Federal Deposit Insurance Act (criminal conviction history review).
Where is the Credit Officer, Senior Associate - Asset Wealth Management role at JPMorganChase located?expand_more
Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase is based in First Drive West, San Francisco, California, 94129, United States. This is a on-site role.
Is this Credit Officer, Senior Associate - Asset Wealth Management job remote, hybrid, or on-site?expand_more
JPMorganChase has listed this Credit Officer, Senior Associate - Asset Wealth Management role as on-site.
How much experience is required for this Credit Officer, Senior Associate - Asset Wealth Management role?expand_more
Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase typically requires 3+ years of relevant experience at the senior level.
What skills do you need for the Credit Officer, Senior Associate - Asset Wealth Management role at JPMorganChase?expand_more
Key skills for Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase include Financial Statement Analysis; Cash Flow Assessment; Credit Risk; Credit Underwriting; Portfolio Management; Financial Analysis; Collateral Assessment; and Loan Structures.
What education is required for Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase?expand_more
Educational requirements for this role: Bachelor's degree required in Finance, Accounting, Economics, or Business Management.
What category does the Credit Officer, Senior Associate - Asset Wealth Management role belong to?expand_more
Credit Officer, Senior Associate - Asset Wealth Management at JPMorganChase is part of the accounting & finance job category on Recrutus.