Credit Risk Associate Jobs in Massachusetts (NOW HIRING)

Are you ready to make a significant impact in the world of credit risk management? Join our Credit Risk team to identify, measure, limit, manage, and monitor credit risk across our diverse business operations. As part of Corporate Risk Management, we maintain independence and integrity in decision‑making, reporting directly to the firm’s Chief Risk Officer (CRO). Our practices are designed to safeguard the firm while offering you the opportunity to develop your expertise in credit risk.

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.

• 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

• 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

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

J.P. Morgan is a global leader in financial services, providing strategic advice and products to the world’s most prominent corporations, governments, wealthy individuals and institutional investors. Our first‑class business in a first‑class way approach to serving clients drives everything we do. We strive to build trusted, long‑term partnerships to help our clients achieve their business objectives.

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.

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. Join our Credit Risk team that identifies, measures, limits, manages, and monitors credit risk across our businesses.