Risk Management - Trade & Working Capital Credit Risk Associate

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 judgement 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 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.
Job 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
Required qualifications, capabilities, and skills
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
Preferred qualifications, capabilities, and skills
Experience with supply chain finance, export and agency finance, trade loans, or letters of credit
Experience supporting new product development, policy design, or control implementation in a risk setting
Experience reviewing policy exceptions and documenting approvals and controls
Experience providing training or coaching on product risk topics
Exposure to portfolios spanning the United States, Canada, and Latin America