Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As an Associate within the Commercial and Investment Bank Credit Risk team, you will be responsible for managing the counterparty credit exposures and relationships, i.e. ensuring that all credit-related activities for the Bank's clients are executed, approved, monitored and reported in a manner consistent with the Bank's internal policies and guidelines. You will have a current and prospective view of the client, its industry and credit needs; build and maintain an active network throughout the Corporate & Investment Bank, Syndicated & Leveraged Finance, Markets and other LOBs to manage the Bank's credit exposure and assist those business units in cross selling the firm.

Job Responsibilities

• Be responsible for managing designated clients in the Hong Kong Credit Portfolio
• Work closely with the Senior Credit Risk Officer and Corporate & Investment Banking business partners to assist / manage the Client Credit Relationship
• Be able to work independently on end to end execution of transactions including due diligence, credit analysis, financial modeling, grading, structuring, credible challenge 1st line and formulate reasonable & holistic recommendations for Credit Executive Approval across industries.
• Be able to confidently lead client due diligence meetings with professional verbal & behavioral presence around clients and business
• Proactively use LLM across range of tasks to support production, analysis and enhance efficiency
• Ongoing active monitoring of the portfolio including limit/exposure and breach management and being the first point of contact for all queries related to portfolio
• Support local legal entity risk management requirements in line with local regulations
• Be able to network with teams across the bank and collaborate with stakeholders to achieve objectives

Required qualifications, capabilities, and skills

• Degree in Finance, Economics, or Accounting
• Minimum 3 years of experience in credit related role
• Strong written and verbal communication skills in both Chinese and English
• Possesses strong quantitative ability in analyzing and interpreting financial statements, draws well-thought out conclusions from analysis, and is credit trained
• Ability to work independently on detailed credit due diligence for complex transactions, i.e. leverage finance, structured derivatives transactions, etc. with strong credit analysis skills, product and industry knowledge.
• Organized, self-motivated, and proactive, with willingness to take initiative
• Flexible mindset with solution orientation (going beyond identification of risks)
• Strong teamwork/partnership approach (both with business partners and within Credit)

Preferred qualifications, capabilities, and skills

• Knowledge / experience of trade finance, derivative documentation (including ISDA and CSA), as well as familiarity with term sheets / loan documentations

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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.

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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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Join us as Credit Risk Associate to make an impact in the world of credit risk.