About the role:

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast-paced, challenging area? This is a unique opportunity to partner with the business to provide a comprehensive view of risk. You will work across a diverse set of clients in the government, higher education, healthcare and not-for-profit sectors. If you are highly motivated, analytical, and collaborative, this role offers the chance to make a meaningful impact.

As an Associate within the Credit Risk team supporting the Government, Higher Education, Healthcare and Not-for-Profit portfolio, you will play a critical role in underwriting, portfolio management, and risk assessment for complex credit exposures. You will support a diverse set of clients, including state and local governments, public and private universities, academic medical centers, hospitals, and leading not-for-profit organizations. You will partner closely with stakeholders to evaluate risk, structure solutions, and monitor portfolio health. You will communicate your analysis clearly to internal audiences and contribute to disciplined, prudent risk management.

Job responsibilities:

- Perform comprehensive credit analysis and risk assessment for new and existing clients in the government, higher education, healthcare, and not-for-profit sectors

- Prepare and present detailed credit approval memoranda, including financial statement analysis and risk rating recommendations

- Monitor portfolio performance, identify emerging risks, and proactively manage credit exposures

- Collaborate with banking partners and other risk professionals to structure transactions that balance client needs with prudent risk management

- Conduct due diligence calls and meetings with clients and management teams

- Stay current on sector trends, regulatory developments, and market dynamics impacting the portfolio

- Ensure compliance with JPMorganChase's credit policies, procedures, and regulatory requirements

Required qualifications, capabilities, and skills:

- Master of Business Administration (Finance specialization) or Chartered Accountant qualification

- Minimum 3+ years of experience in credit risk, commercial banking, public finance, healthcare finance, or a related field

- Strong financial modeling, analytical, and quantitative skills, with the ability to interpret complex financial statements and sector-specific disclosures

- Demonstrated understanding of credit risk principles, loan structures, and sector-specific risk factors (for example, government funding, healthcare reimbursement, and not-for-profit financial reporting)

- Excellent written and verbal communication skills, with the ability to present complex analyses to senior management and credit committees

- Strong organizational skills and attention to detail, with the ability to manage multiple priorities in a fast-paced environment

- Proficiency in Microsoft Word, Microsoft Excel, and Microsoft PowerPoint

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