Wholesale Credit Risk - Associate

Location: Tokyo-To, Japan

Job Family: Credit Risk

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client service. Our Wholesale Credit Risk team plays a critical role in safeguarding the firm by identifying, measuring, limits, managing, and monitoring credit risk across our diverse businesses, including corporate and investment banking. As an Associate in Wholesale Credit Risk based in Tokyo, Japan, you will join a dynamic team focused on supporting our Asia-Pacific operations. This role offers the opportunity to work on complex credit portfolios involving multinational corporations, financial institutions, and structured finance deals, while contributing to the firm's robust risk management framework in one of the world's most vibrant financial hubs. In this position, you will perform in-depth credit assessments, utilizing advanced analytical tools to evaluate borrower financial health, industry risks, and macroeconomic factors specific to the Japanese and regional markets. You will collaborate closely with relationship managers, traders, and senior risk officers to ensure credit decisions align with JP Morgan's risk appetite and regulatory requirements, such as those from the Financial Services Agency (FSA) in Japan and global Basel accords. Responsibilities include developing stress scenarios, monitoring portfolio performance, and recommending risk mitigation strategies, all while leveraging JP Morgan's proprietary technology platforms for real-time insights. We seek candidates who thrive in a collaborative, high-performance environment and are passionate about the evolving landscape of wholesale credit risk. This role provides exposure to senior leadership and opportunities for career growth within JP Morgan Chase's global network. If you have a strong foundation in credit analysis and a keen interest in financial risk in Asia, join us to help shape the future of responsible banking at one of the world's most respected institutions.

Key Responsibilities

• Conduct thorough credit analysis and due diligence on wholesale clients to assess creditworthiness
• Develop and maintain credit risk models for portfolio monitoring and stress testing
• Collaborate with business teams to identify, measure, and mitigate credit risks across JP Morgan's wholesale banking operations
• Monitor credit exposures, limits, and early warning indicators for assigned portfolios
• Prepare credit risk reports and presentations for senior management and regulatory submissions
• Ensure compliance with internal policies, Japanese financial regulations, and global standards
• Support the approval process for new credit facilities and renewals
• Analyze market trends and economic factors impacting credit risk in the Asia-Pacific region
• Contribute to the enhancement of credit risk management frameworks and tools

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field
• 3-5 years of experience in credit risk management, preferably in wholesale banking or financial services
• Strong understanding of credit analysis, financial modeling, and risk assessment methodologies
• Proficiency in Japanese and English languages, with business-level fluency in both
• Knowledge of Japanese regulatory requirements and international banking standards (e.g., Basel III)
• Experience with credit portfolio management and stress testing in a banking environment
• Relevant certifications such as CFA, FRM, or equivalent

Preferred Qualifications

• Advanced degree (Master's or MBA) in Finance or Risk Management
• Prior experience working in a global financial institution like JP Morgan Chase
• Familiarity with wholesale lending products in the Asian market
• Hands-on experience with credit risk software tools such as Moody's Analytics or SAS
• Demonstrated involvement in cross-border credit transactions

Required Skills

• Credit analysis and financial statement review
• Risk modeling and quantitative analysis
• Proficiency in Excel, VBA, and financial modeling tools
• Knowledge of SQL and data analytics for risk reporting
• Understanding of derivative products and structured finance
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Attention to detail and accuracy in high-stakes environments
• Team collaboration and stakeholder management
• Adaptability to fast-paced, dynamic financial markets
• Regulatory compliance and ethical judgment
• Project management for risk initiatives
• Cross-cultural communication in a multinational setting
• Time management and prioritization under pressure

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 and tuition reimbursement for relevant certifications
• Employee wellness initiatives and gym membership discounts
• Flexible work arrangements and hybrid office options in Tokyo
• Global mobility opportunities within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.