You will join the Risk function, providing credible challenge as a second line of defense to keep the firm strong and resilient. The Wholesale Credit Risk team oversees credit risk for Investment Bank clients and the firm's wholesale credit portfolio.
As an Associate within the APAC & EMEA Structured Finance Team, you will play a key role in evaluating, underwriting, and monitoring a diverse portfolio in Asset-Backed markets, including Public ABS, Private Asset Back Financing, conduits, and other SPVs. You will partner with Securitized Products, Corporate and Investment Bankers, Treasury Services, and Traders to analyze, structure, risk grade, and approve credit exposures. You will work closely with clients and internal partners to assess creditworthiness, structure financing solutions, and execute transactions, while mentoring junior team members and driving process improvements.

Main responsibilities include:

• Lead financial analysis, identify key risks, and challenge analyst recommendations
• Apply deep product knowledge and relevant policies to complex transactions
• Use AI tools to enhance analysis and efficiency
• Proactively manage portfolios and drive end-to-end credit processes
• Communicate clearly through emails, memos, and presentations for senior audiences
• Collaborate across teams and participate to meetings with stakeholders and clients
• Uphold professionalism, ethics, and a positive team culture
• Mentor junior colleagues and contribute to projects and initiatives

What we look for:

• Solid credit/underwriting experience and strong analytical skills
• Advanced modeling and proficiency in Microsoft Office Suite
• Strong interpersonal skills and an ability to work well in a team environment
• Ability to multi-task, prioritize, and drive results independently
• Positive attitude, attention to detail, and commitment to personal development

ABOUT US
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.

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.