Credit Risk - Specialized - Vice President

Job Description
Are you interested in contributing to keeping JP Morgan Chase strong and resilient? If you are keen to be part of the Credit Risk team to 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, this opportunity is for you. 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 a Vice President in the Wholesale Credit Risk team, you will mainly focus on working on credit requests for non-flow and bespoke deals and transactions, including but not limited to any sponsor related deals, acquisition financing and structured transactions. As a Credit Officer in the Wholesale Credit Risk team belonging to the 2nd line of defense in the three lines of defense model, you will be expected to analyze credit requests, credibly challenge deal team members in the 1 st line of defense on all aspects of the requests, including but not limited to the credit profile and financials of the counterparties, as well as legal and structural aspects of the transactions. You will play a crucial role in applying and leading appropriate credit risk and cash flow analysis including financial projection modelling, structural discussion, legal document/credit agreement negotiation, while also providing necessary and timely escalations to the senior management for their awareness and discussions. You will be expected to lead and manage such credit requests ensuring they align with our internal credit risk policies and risk appetite. You will collaborate with global teams and stakeholders while fostering a culture of excellence. Your work will directly contribute to the firm's success and the broader financial community.
Job responsibilities

• Lead and manage end-to-end credit risk process working on credit requests for non-flow and bespoke deals and transactions such as sponsor related deals, acquisition financing and structured transactions
• Provide credible challenge as credit officer in the 2 nd line of defense to deal team members in the 1 st line of defense, thereby ensuring effective structuring and documentation discussion and consideration as well as appropriate risk taking for the firm while adhering to credit risk policies and risk appetite
• Lead and manage end-to-end credit risk process for conducting comprehensive credit risk assessments and financial modelling and due diligence on clients' business and financials as well as transactions
• Develop and maintain strong relationships with both internal and external stakeholders across various teams and organizations
• Collaborate with global stakeholders to ensure effective and appropriate credit portfolio risk management
• Provide continuous monitoring over existing portfolio financial performance, identifying risks and mitigants as well as recommending risk management strategies
• Stay informed on market trends, regulatory changes, and industry dynamics to identify any potential key and top risks for the key portfolio
• Work on team's other priorities including but not limited to risk managing non-structured transactions and team's overall credit portfolio
• Mentor and guide junior team members, promoting continuous learning

Required qualifications, capabilities, and skills

• Bachelor's degree in Finance, Economics, or Business Administration
• Minimum of 5 years of experience in credit risk management, with experience having worked on sponsor deals, leveraged lending, acquisition financings
• Strong analytical skills for assessing complex financial structures and credit risk profiles
• Excellent communication and interpersonal skills for stakeholder engagement
• Familiarity with global credit risk regulations and industry standards
• Ability to work independently and collaboratively in a dynamic environment
• Proficiency in both Japanese and English

Preferred qualifications, capabilities, and skills

• Advanced degree or professional certification (e.g., CFA, FRM)
• Experience in leading cross-functional teams
• Knowledge of emerging trends in syndicated and leveraged finance and credit risk

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 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.