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About the Role

As an Trade Credit Risk Associate in Trade Credit Risk, Wholesale Credit Risk, you provide independent credit judgment and constructive challenge on receivables/inventory/supply chain financing transactions. You partner with product, sales, coverage, legal, and risk stakeholders to deliver well-structured solutions that align risk views with deal execution. You support transaction reviews, documentation assessment, and ongoing portfolio monitoring, while helping strengthen policies, controls, and risk management practices as the platform grows. Covered product suite also includes medium-long term export & agency finance, trade loans and letters of credit / guarantees.

Responsibilities

Review new originations, renewals, and amendments for structured working capital transactions, including structure, obligor and counterparty risk, collateral, and repayment sources
Analyze key documentation terms and identify risk mitigants to support well-governed approvals
Advise first-line partners on credit line requests by assessing product suitability, structure, and controls
Communicate risk views and propose solutions for transactions in the pipeline
Monitor transaction-level and portfolio-level performance, including emerging risks and concentrations
Develop risk monitoring frameworks as the portfolio expands and adds product variations
Apply portfolio analytics and data-driven insights to enhance monitoring, trend detection, and decision support
Evaluate variations from standard documentation and product guidelines and recommend risk management decisions
Partner with stakeholders to assess new product structures, policy exceptions, and control solutions
Support the rollout of new trade products by contributing to risk policies and controls
Deliver training on trade products and associated risks to internal partners

Requirements

Minimum 3 years of experience in credit risk, trade risk, or structured finance
Strong credit analysis skills, including transaction structuring and risk identification
Relevant experience or strong interest in structured working capital finance or other trade finance products, or transferable experience from adjacent fields such as securitisation and asset financing.
Ability to work effectively in a time-sensitive environment while managing multiple priorities
Strong business and analytical judgment with a solutions-oriented approach
Ability to analyze portfolio data, identify trends, and translate insights into clear risk views
Comfort using technology-enabled tools (including large language model tools where appropriate) to support monitoring and reporting
Strong written and verbal communication skills, with ability to tailor messaging to different audiences
Strong interpersonal skills with the ability to influence decision-making through constructive challenge
Demonstrated ownership mindset and collaborative approach across partners with differing priorities
Experience interpreting and negotiating legal documentation

Skills

Supply chain finance
Export and agency finance
Trade loans
Letters of credit
New product development
Policy design
Control implementation
Risk setting
Policy exceptions
Documentation approvals
Control implementation
Training
Coaching
Product risk topics
Portfolio analytics
Data-driven insights
Risk monitoring frameworks
Credit analysis
Transaction structuring
Risk identification
Structured working capital finance
Trade finance products
Securitisation
Asset financing
Technology-enabled tools
Large language model tools
Written communication
Verbal communication
Interpersonal skills
Negotiating legal documentation

Experience Level

Minimum 3 years of experience

Benefits

Comprehensive health care coverage
On-site health and wellness centers
Retirement savings plan
Backup childcare
Tuition reimbursement
Mental health support
Financial coaching

About the Company

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.
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.

Equal Opportunity

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.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans