Credit Risk Associate Jobs in California (NOW HIRING)

Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement 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 an Energy Credit Risk Associate in Commercial & Investment Bank Risk – Energy, Power and Renewables, you will lead and support credit origination and portfolio management across investment grade and leveraged clients. You will partner with coverage and product teams to structure, analyze, negotiate, and approve new credit exposure while maintaining strong risk governance. You will help us identify emerging risks, monitor portfolio performance, and contribute to developing junior talent on a collaborative, high-performing team.

Job responsibilities:

• Assess key risks across clients, transactions, and energy sub-sectors within an assigned portfolio
• Develop forward-looking risk views on companies, structures, industry dynamics, and competitive threats
• Participate in client due diligence to deepen understanding of business models, management teams, and sectors
• Build and analyze financial models to test downside cases and support risk-based structuring recommendations
• Prepare credit approval materials and present transactions for approval in line with credit risk policies
• Negotiate deal terms, covenants, and legal documentation with deal teams to align with approved risk appetite
• Maintain accurate, forward-looking risk ratings and communicate key developments to stakeholders
• Identify deteriorating credits early and drive proactive risk management actions
• Analyze and present waivers, amendments, and extensions for approval
• Deliver periodic portfolio reporting, including quarterly snapshots and annual reviews for senior management
• Mentor and coach analysts while partnering with middle office teams to maintain high-quality credit data

Required qualifications, capabilities, and skills:

• Demonstrated credit, lending, negotiation, loan documentation, and financial modeling skills
• Experience performing credit analysis and recommending risk-appropriate financing structures
• Ability to manage multiple priorities and perform well under pressure in a demanding environment
• Strong attention to detail and a consistent, high-quality work ethic
• Ability to work independently with accountability while collaborating effectively as part of a team
• Strong interpersonal and communication skills, including comfort representing JPMorganChase in client interactions
• Proficiency in Microsoft Office applications, especially Excel, PowerPoint, and Word
• Bachelor's degree (preferably in finance, accounting, economics, or another quantitative discipline)

Preferred qualifications, capabilities, and skills:

• Experience covering oil and gas, power, utilities, and renewable companies
• Completion of a commercial or investment bank credit training program (or equivalent experience) and knowledge of bank credit policies and procedures
• Minimum 3 years of commercial or investment banking lending experience, including credit underwriting, structuring, and origination
• Master of Business Administration degree

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

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.