Wholesale Credit Risk - Vice President

Location: Central and Western, Hong Kong Island, Hong Kong

Job Family: Credit Risk

About the Role

JPMorgan Chase & Co. is a leading global financial services firm with assets of $3.9 trillion and operations worldwide. We operate in more than 60 countries, creating landmark projects that define cities and redefine cultures. Our Wholesale Credit Risk team plays a pivotal role in safeguarding the firm's lending portfolio by providing robust risk assessment and monitoring. As a Vice President in Wholesale Credit Risk, you will support our Japan team from our Hong Kong office, focusing on the ongoing credit monitoring and review of all client facilities in the wholesale banking segment. This role is integral to ensuring the soundness of our credit exposures in the Asia-Pacific region, where we serve a diverse array of corporate clients across industries. In this position, you will dive deep into financial statements, industry analyses, and market intelligence to evaluate creditworthiness and recommend risk mitigation strategies. You will collaborate closely with relationship managers in Japan and Hong Kong, leveraging your expertise to influence lending decisions and portfolio management. Responsibilities include preparing comprehensive credit reports, conducting stress tests, and staying abreast of regulatory changes in Hong Kong and Japan that impact our operations. This is an opportunity to contribute to high-profile deals while advancing your career in a dynamic, supportive environment at one of the world's most respected financial institutions. At JPMorgan Chase, we value innovation, integrity, and inclusion. We offer a collaborative culture where your insights can shape global strategies. Join us to work on challenging projects that drive business growth and risk resilience, all while benefiting from our world-class resources and professional development opportunities in the heart of Hong Kong's financial district.

Key Responsibilities

• Conduct ongoing credit monitoring and periodic reviews of client facilities for the Japan portfolio from Hong Kong
• Perform detailed financial analysis, including ratio analysis, cash flow projections, and stress testing
• Assess and mitigate credit risks associated with wholesale lending to corporate clients
• Collaborate with the Japan team to ensure compliance with internal policies and regulatory standards
• Prepare credit memos, risk reports, and recommendations for senior management
• Monitor market developments and industry trends impacting client creditworthiness
• Support portfolio management by identifying early warning signs of credit deterioration
• Liaise with relationship managers, legal teams, and external rating agencies
• Contribute to the development of credit risk strategies tailored to the Asia-Pacific region

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field
• Minimum of 7-10 years of experience in credit risk management, preferably in wholesale banking or corporate lending
• Strong understanding of credit analysis, financial modeling, and risk assessment methodologies
• Proficiency in Japanese language (business level) to support Japan-focused operations
• Experience in the Asia-Pacific financial markets, with knowledge of regulatory requirements in Hong Kong and Japan
• Relevant certifications such as CFA, FRM, or equivalent in credit risk

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) with a focus on risk management
• Prior experience working with multinational banks in cross-border credit portfolios
• Familiarity with JP Morgan Chase's internal credit systems and processes
• Track record of managing credit facilities for large corporate clients in the wholesale sector

Required Skills

• Advanced credit analysis and financial modeling
• Proficiency in Excel, Bloomberg, and credit risk software
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Knowledge of Basel III regulations and credit risk frameworks
• Attention to detail and accuracy in reporting
• Ability to work independently and in cross-functional teams
• Time management and prioritization under tight deadlines
• Cultural sensitivity and adaptability in multicultural environments
• Quantitative skills for risk quantification and scenario analysis
• Negotiation skills for internal and client interactions
• Familiarity with IFRS 9 and expected credit loss methodologies
• Project management for credit review processes
• Ethical judgment in high-stakes financial decisions

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive medical, 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
• Wellness initiatives including gym memberships and mental health support
• Employee stock purchase plan and other financial wellness benefits
• Flexible work arrangements and hybrid office options in Central Hong Kong

JP Morgan Chase is an equal opportunity employer.