Credit Risk Associate - Asset Based Lending Group

Location: Ciudad Autónoma de Buenos Aires, Argentina

Job Family: Associates

About the Role

At JPMorgan Chase, we are at the forefront of financial services innovation, and our Risk Management and Compliance teams play a pivotal role in safeguarding the firm's resilience. As a Credit Risk Associate in the Asset Based Lending Group, based in Ciudad Autónoma de Buenos Aires, Argentina, you will join a dynamic team dedicated to evaluating and mitigating credit risks in our lending portfolios. This associate-level position offers the opportunity to contribute to high-impact decisions that support sustainable growth in Latin American markets, leveraging JPMorgan Chase's global expertise in asset-based financing. You will work closely with cross-functional teams to ensure robust risk frameworks that align with our commitment to ethical banking and regulatory excellence. Your primary focus will be on conducting in-depth analyses of borrower creditworthiness, collateral assets such as inventory and receivables, and overall portfolio health. This involves utilizing advanced financial modeling techniques to assess potential vulnerabilities, monitor compliance with lending covenants, and recommend risk-adjusted strategies. In this role, you will collaborate with origination, legal, and compliance professionals to underwrite new deals and manage existing exposures, all while adhering to JPMorgan Chase's stringent risk policies and international standards like Basel III. The position demands a keen eye for detail and the ability to thrive in a collaborative, fast-paced environment where your insights directly influence business outcomes. JPMorgan Chase values professional growth and offers extensive training through our world-class learning platforms. As part of our Buenos Aires hub, you will benefit from exposure to diverse markets and technologies that drive the future of finance. This role not only challenges you to apply your financial acumen but also empowers you to build a rewarding career in one of the world's leading financial institutions, contributing to initiatives that promote economic stability and client success across the globe.

Key Responsibilities

• Conduct thorough credit risk assessments for asset-based lending portfolios, evaluating borrower financial health and collateral quality
• Analyze financial statements, cash flow projections, and industry trends to identify potential risks
• Monitor ongoing portfolio performance, including covenant compliance and early warning indicators
• Collaborate with origination teams to provide risk insights during the loan approval process
• Develop and maintain risk models for asset valuation and scenario analysis
• Prepare detailed risk reports and presentations for senior management and regulatory bodies
• Support stress testing and portfolio optimization initiatives in line with JPMorgan Chase's risk framework
• Ensure adherence to internal policies, Basel regulations, and local Argentine financial laws
• Assist in due diligence processes for new lending opportunities
• Contribute to the continuous improvement of risk management processes within the Asset Based Lending Group

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field
• 2-4 years of experience in credit risk analysis, preferably in asset-based lending or commercial banking
• Strong understanding of financial statements, collateral valuation, and risk assessment methodologies
• Proficiency in Microsoft Excel and financial modeling tools
• Fluency in English and Spanish (written and spoken)
• Ability to work in a fast-paced, collaborative environment
• Relevant certifications such as CFA Level 1 or FRM (preferred but not required)

Preferred Qualifications

• Experience in the asset-based lending sector within a major financial institution
• Knowledge of Argentine regulatory frameworks and international banking standards
• Advanced degree (MBA) in Finance or Risk Management
• Prior exposure to JPMorgan Chase systems or similar banking platforms
• Demonstrated track record in portfolio monitoring and stress testing

Required Skills

• Credit analysis and financial modeling
• Risk assessment and mitigation strategies
• Proficiency in Excel and data analytics tools (e.g., SQL, Tableau)
• Knowledge of asset-based lending structures and collateral management
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Attention to detail and accuracy in reporting
• Team collaboration and stakeholder management
• Understanding of regulatory compliance in banking
• Time management in high-pressure environments
• Quantitative skills for stress testing and forecasting
• Adaptability to evolving financial market conditions
• Proficiency in financial software (e.g., Moody's Analytics or similar)
• Interpersonal skills for cross-functional teamwork
• Ethical judgment in risk decision-making

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with generous company matching contributions
• Paid time off including vacation, sick leave, and parental leave
• Professional development programs, including tuition reimbursement and access to JPMorgan Chase University
• Employee wellness initiatives, such as gym memberships and mental health support
• Flexible work arrangements, including hybrid options in Buenos Aires
• Global mobility opportunities within JPMorgan Chase's international network

JP Morgan Chase is an equal opportunity employer.