Job Description

Shape credit decisions that power growth across some of the most dynamic sectors in the market. In this role, you will influence high-impact transactions by combining rigorous analysis with commercial judgement. You will work with partners across the region and across products, helping clients navigate both opportunity and downside risk. If you enjoy diving into complex businesses and turning analysis into clear recommendations, this is a chance to make your work matter every day.
Job summary

As a Wholesale Credit Risk EMEA Associate in the Technology, Media and Telecommunications team, you will assess and manage credit risk for a broad range of clients across the Europe, Middle East and Africa region. You will work closely with partners across corporate banking, markets and product teams to support clients across leveraged, investment grade and innovation-led businesses, including those backed by venture capital. You will help shape credit decisions through high-quality due diligence, thoughtful structuring and clear communication of risk. This role reports into the Vice President - Credit Risk.
Job responsibilities

• Lead due diligence, credit analysis, and financial modelling for credit counterparties
• Drive the preparation of credit approval memos, including recommendations on structure, risk appetite, and risk grading
• Build financial models and challenge modelling assumptions with relevant coverage and product partners
• Develop appropriate downside scenarios and clearly articulate key modelling conclusions
• Partner across products including lending, derivatives, trade finance, and treasury products
• Support negotiation of facility documentation to help identify and mitigate key risks
• Apply risk management policies and interact with stakeholders, including regulators and auditors
• Manage ongoing portfolio monitoring, including risk ratings, sector trends, and client performance
• Coach and support the development of junior colleagues

Required qualifications, capabilities, and skills

• Strong credit judgement with a proactive approach to risk identification and credit process discipline
• Demonstrated knowledge of transaction structures, facility documentation, and core banking products
• Clear written and verbal communication skills, with the ability to synthesize complex information
• Ability to build credibility and trusted relationships with key stakeholders
• Proven ability to coach and develop junior colleagues
• Self-starting, results-focused, able to manage multiple priorities, and adaptable to change
• Experience in a credit risk function or leveraged finance underwriting environment
• Strong cash flow modelling and financial analysis skills

Preferred qualifications, capabilities and skills

• Proficiency in European language(s) in addition to English
• Experience working with venture capital-backed clients
• Familiarity with high yield lending and venture term loan structures
• Demonstrated ability to apply a risk-and-return mindset in dynamic environments
• Experience interacting with regulators and auditors
• Confidence challenging and supporting partners on modelling assumptions
• Experience in portfolio management, including monitoring sector trends

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

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.