Ready to make an impact at the center of lending and trade finance? Join a team where your execution skills, ownership, and collaboration power timely, consistent delivery for clients. You'll work across functions, build market‑relevant expertise, and grow your career through complex transactions and process improvements. We value your voice, curiosity, and commitment to excellence-and we'll support your success.

As an Associate within the Credit Product Delivery team, you drive end‑to‑end execution for lending and trade finance transactions. You partner with bankers and trade sales to provide client‑focused support while maintaining a robust risk and control framework. You coordinate across credit, legal, compliance, tax, and operations to ensure seamless documentation and deal closing. You help refine processes and collaborate with regional and global teams to deliver superior service for commercial and investment banking clients.

Credit Product Delivery is a middle office transaction management function dedicated to lending and trade finance. We deliver timely, client‑focused service while upholding strong controls, partnering closely with stakeholders across regions to ensure consistent, high‑quality execution.

Job responsibilities

• Drive end-to-end execution of lending and trade finance transactions, ensuring transparency, accountability, and timely resolution
• Oversee the negotiation, drafting, review, and execution of legal documentation, including facility agreements, credit support, security documents, corporate authorizations, and ancillary finance documents
• Manage the deal closing process, including sourcing and reviewing client constitutional documents and performing conditions precedent checks
• Liaise directly with clients and their legal counsel, external law firms, facility agents and internal stakeholders including Banker/Sales, Credit Risk, Legal, Tax, and Operations to support the negotiation and execution of documentation for bilateral and syndicated facilities
• Operate within the internal controls framework, preparing and coordinating approvals for documentation deviations
• Coordinate and lead deal teams as needed, facilitating smooth execution and transaction completion, under the guidance of senior team members
• Provide support to bankers and stakeholders, ensuring clear communication and effective problem resolution
• Support wider Credit Product Delivery projects and initiatives, identify opportunities for process optimization and efficiency
• Ensure adherence to standard operating procedures and regulatory requirements by identifying and resolving operational, financial, and technology issues promptly
• Participate in training and development opportunities to build knowledge and skills relevant to the role

Required qualifications, capabilities, and skills

• Bachelor's degree
• At least 3 years of experience in operations, credit administration, credit documentation, transaction management, or credit execution in banking
• Strong credit and documentation knowledge across lending agreements
• Proactive self‑starter with ability to multi‑task and manage delivery timelines
• Fluency in Japanese, verbal, written, and spoken, to communicate with Japanese stakeholders
• Business‑level communication in English to collaborate with regional teams
• Problem‑solving mindset with willingness to contribute to change initiatives and drive implementation
• Proficiency with Microsoft Office (i.e. Microsoft Excel, Word, and PowerPoint)

Preferred qualifications, capabilities, and skills

• Internship or prior work experience with law firms, in‑house legal teams, legal support teams, or paralegal roles
• Knowledge of lending and trade finance products and associated legal agreements

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 Global Banking business is one of the largest wholesale banking client franchises in the world. We serve clients, including corporations, governments, states, municipalities, healthcare organizations, education institutions, banks and investors.

Global Investment Banking supports a broad range of corporations, institutions and governments by providing strategic advice, capital raising and risk management expertise.