J.P. Morgan
J.P. Morgan

120 J.P. Morgan Credit Risk Analyst Jobs Hiring Near You

You'll collaborate across risk and operations while improving processes that protect the firm and ... J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in ...

Credit Risk Analyst

Providence, RI · On-site

$75K - $85K/yr

Credit Risk Analyst Washington Trust has an opportunity for an experienced commercial credit administration professional to join our Credit Risk team as a Commercial Credit Administration Manager ...

We are seeking a Data Analyst to support our Credit Risk team. Seeking a Data Analyst to support direct mail and Invitation-To-Apply (ITA) acquisition campaigns through targeting, list processing and ...

We are seeking an exempt-level Credit Risk Analyst to utilize a combination of analytical skills and techniques and statistical methods to assist our Credit Risk Consultants. If you possess a passion ...

Credit Risk Analyst

Des Moines, IA · Hybrid

$59K - $70K/yr

The Credit Risk Analyst supports the Bank's credit risk management function through the evaluation, monitoring, and analysis of member financial institutions and counterparties. This role assesses ...

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J.P. Morgan Jobs Information

What is it like to work at J.P. Morgan?

J.P. Morgan is a global financial institution that values a culture of collaboration, innovation, and integrity, with a strong emphasis on teamwork and professional development. The company operates a diverse range of teams, including investment banking, asset management, and markets and securities, with a global presence and a dynamic work environment that fosters creativity and growth. Working at J.P. Morgan can offer opportunities for career advancement, professional growth, and the chance to contribute to the company's mission of helping clients navigate the complexities of the financial world.

What makes J.P. Morgan an attractive place to work?

J.P. Morgan is a leading global financial services firm with a long history of innovation and a commitment to helping clients navigate the complexities of the financial markets. The company offers a dynamic and collaborative work environment that fosters creativity, teamwork, and professional growth, with opportunities to work on high-profile projects and develop expertise in a wide range of areas. By joining J.P. Morgan, individuals can contribute to the company's mission of making a positive impact on the world and enjoy opportunities for career advancement and personal development in a stable and secure organization.

Risk Management - Wholesale Credit Analyst - Senior Associate

JPMorgan Chase & Co.

Plano, TX • On-site

Full-time

Medical, Retirement

Re-posted 20 days ago


JPMorgan Chase & Co. rating

8.0

Company rating: 8.0 out of 10

Based on 499 frontline employees who took The Breakroom Quiz

72nd of 174 rated banks


Job description


Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgment 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 a Senior Associate Credit Analyst in Wholesale Credit Risk, you will manage credit risk for the Merchant Services Wholesale Credit portfolio through ongoing credit monitoring, analyzing financial statements, determining appropriate risk ratings, and exerting credit approval authority, as applicable for the role. Recognize possible risks a client's business may pose to the firm while providing recommendations to mitigate such risks. Maintain consistency and quality of credit reviews through high quality assessments and escalate any identified risks and trends. Complete all assigned credit reviews and ad-hoc reviews / tasks within timelines. Participate in ongoing projects / process improvement efforts as appropriate. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Job Responsibilities:
  • Evaluate and approve existing merchant relationships including: financial statement review, cash-flow analysis, transaction trend analysis, assessment of the business model, product/service risk evaluation, customer concentration assessment, and review of refund and chargeback exposure.
  • Identify and escalate problem credits promptly, and negotiate effectively to protect the bank's interests.
  • Demonstrate strong proficiency in financial analysis, products, and key risk factors; defend credit ratings confidently.
  • Apply strong financial analysis and product knowledge, incorporating relevant macro- and microeconomic factors and risks.
  • Deliver well-supported credit decisions through effective stakeholder engagement.
  • Meet monthly timelines and take ownership of deliverables by proactively following up with stakeholders to complete reviews and requests.
  • Build and maintain strong relationships with internal stakeholders, including Relationship Managers and Legal.
  • Monitor industry trends and credit risk management best practices to strengthen decision-making and maintain a competitive edge.

Required qualifications, capabilities, and skills:
  • Bachelor's degree in Finance, Economics, Accounting, or a related discipline.
  • 3+ years of experience in credit risk analysis, commercial lending, payments risk or portfolio management.
  • Strong financial analysis skills and the ability to write clear, well-structured credit memos.
  • Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining strong attention to detail.
  • Ability to explain decisions using data and sound rationale, and to escalate appropriately when needed.
  • Excellent verbal and written communication and problem-solving skills.
  • Proven ability to prioritize, plan, and manage processes to complete credit analysis and related assignments.
  • Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.
  • Sound judgment under time pressure; ability to balance risk vs. commercial objectives
  • Stakeholder management (Risk, Sales, Operations, Legal/Compliance as applicable)
  • Ability to explain decisions with data + rationale, and escalate appropriately

About Us
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
About the Team
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.

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