Verified Job
Accounting - Finance
Trade and Structured Working Capital Credit Risk - EMEA / Associate
Accounting - Finance
#760051
Remote / WFH
JPMorganChase
Job Description
JOB DESCRIPTION
As an Associate in Trade and Structured Working Capital Credit Risk, Europe, Middle East and Africa, you will provide independent credit judgment and constructive challenge on trade and working capital financing transactions. You will partner with product and coverage teams to help deliver well-structured solutions for clients while maintaining a strong risk culture. You will spend most of your time on transaction reviews, credit analysis, structuring discussions, documentation assessment, and ongoing portfolio monitoring. You will also contribute to product evolution and to the policies and controls that support safe growth.
Job responsibilities
Evaluate new originations, renewals, and amendments, including structure, borrower and counterparty risk, collateral, repayment sources, and key risk mitigants
Analyze credit risk using financial, transaction, and portfolio information to form clear, independent recommendations
Partner with product and coverage teams to shape structures and risk mitigants for transactions in the pipeline
Review documentation and identify gaps, non-standard terms, and emerging risks; recommend appropriate protections
Decide on risk positions for variations from standard documentation, product policy, or guidelines, escalating as needed
Monitor exposures across trade and working capital products and strengthen monitoring frameworks as the portfolio evolves
Develop portfolio analytics and data-driven insights to improve monitoring, reporting, and risk assessment efficiency
Collaborate with credit risk management, legal, trade management, and other stakeholders to ensure risk views are reflected in execution
Support new product structures, policy exceptions, and control design to enable responsible growth
Document analyses, rationales, and monitoring outputs to maintain strong governance and auditability
Deliver training to internal partners on trade products and the risks and mitigants that matter most
Required qualifications, capabilities, and skills
Relevant experience in credit risk, trade risk, structured finance, or a closely related role
Demonstrate strong credit underwriting and analytical skills, including ability to assess complex transaction structures
Show experience with, or a strong interest in, structured working capital finance, export agency-backed financing, or other trade finance products
Operate effectively in a time-sensitive environment while managing multiple priorities
Apply sound judgment to assess collateral, repayment sources, documentation terms, and risk mitigants
Communicate clearly and confidently with stakeholders at different levels of the organization
Influence outcomes through constructive challenge and solutions-oriented collaboration
Work independently with a proactive, self-starting approach while partnering well across teams
Analyze portfolio data to identify key trends and emerging risks
Use technology-enabled tools to support monitoring, reporting, and decision-making
Interpret and negotiate legal documentation relevant to trade and working capital transactions
Preferred qualifications, capabilities, and skills
Bring experience supporting trade and working capital credit risk across Europe, Middle East and Africa
Have hands-on experience with supply chain finance, trade loans, and letters of credit
Demonstrate strong structuring capability on complex, multi-party transactions and related risk mitigants
Build scalable monitoring approaches (for example, early-warning indicators, concentration views, and counterparty watchlists)
Use data analytics tooling to automate or streamline portfolio reporting and risk insights
Contribute to product governance through policy drafting, control design, and exception management
Present and train effectively, translating technical risk topics into practical guidance for business partners
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, ****** 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.
As an Associate in Trade and Structured Working Capital Credit Risk, Europe, Middle East and Africa, you will provide independent credit judgment and constructive challenge on trade and working capital financing transactions. You will partner with product and coverage teams to help deliver well-structured solutions for clients while maintaining a strong risk culture. You will spend most of your time on transaction reviews, credit analysis, structuring discussions, documentation assessment, and ongoing portfolio monitoring. You will also contribute to product evolution and to the policies and controls that support safe growth.
Job responsibilities
Evaluate new originations, renewals, and amendments, including structure, borrower and counterparty risk, collateral, repayment sources, and key risk mitigants
Analyze credit risk using financial, transaction, and portfolio information to form clear, independent recommendations
Partner with product and coverage teams to shape structures and risk mitigants for transactions in the pipeline
Review documentation and identify gaps, non-standard terms, and emerging risks; recommend appropriate protections
Decide on risk positions for variations from standard documentation, product policy, or guidelines, escalating as needed
Monitor exposures across trade and working capital products and strengthen monitoring frameworks as the portfolio evolves
Develop portfolio analytics and data-driven insights to improve monitoring, reporting, and risk assessment efficiency
Collaborate with credit risk management, legal, trade management, and other stakeholders to ensure risk views are reflected in execution
Support new product structures, policy exceptions, and control design to enable responsible growth
Document analyses, rationales, and monitoring outputs to maintain strong governance and auditability
Deliver training to internal partners on trade products and the risks and mitigants that matter most
Required qualifications, capabilities, and skills
Relevant experience in credit risk, trade risk, structured finance, or a closely related role
Demonstrate strong credit underwriting and analytical skills, including ability to assess complex transaction structures
Show experience with, or a strong interest in, structured working capital finance, export agency-backed financing, or other trade finance products
Operate effectively in a time-sensitive environment while managing multiple priorities
Apply sound judgment to assess collateral, repayment sources, documentation terms, and risk mitigants
Communicate clearly and confidently with stakeholders at different levels of the organization
Influence outcomes through constructive challenge and solutions-oriented collaboration
Work independently with a proactive, self-starting approach while partnering well across teams
Analyze portfolio data to identify key trends and emerging risks
Use technology-enabled tools to support monitoring, reporting, and decision-making
Interpret and negotiate legal documentation relevant to trade and working capital transactions
Preferred qualifications, capabilities, and skills
Bring experience supporting trade and working capital credit risk across Europe, Middle East and Africa
Have hands-on experience with supply chain finance, trade loans, and letters of credit
Demonstrate strong structuring capability on complex, multi-party transactions and related risk mitigants
Build scalable monitoring approaches (for example, early-warning indicators, concentration views, and counterparty watchlists)
Use data analytics tooling to automate or streamline portfolio reporting and risk insights
Contribute to product governance through policy drafting, control design, and exception management
Present and train effectively, translating technical risk topics into practical guidance for business partners
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, ****** 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.
