Wholesale Credit Risk - Vice President

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Lead Credit Officer - Vice President within the Wholesale Credit Risk team, you will be based in Tokyo, supporting the Japan Wholesale Credit Risk team. You will be at the forefront of executing transactions across vanilla and structured loans, acquisition & leveraged finance loans, derivatives, liquidity and cash management products. You will be working closely with our business partners from various sectors including Global Investment Banking, Global Corporate Banking as well as Global Markets and Global Payments amongst others. You will also be working closely with other stakeholders including Legal and Compliance in managing the portfolios and transactions . Your role will be pivotal in promoting credit analytics including risk rating determination, industry assessment with a key focus on due diligence, structuring, documentation, and approval of transactions. You will also be responsible for the ongoing credit monitoring and review work for all client facilities, providing you with a diverse and dynamic work environment.

Job responsibilities

• Be responsible for ongoing supervision and management of an assigned portfolio of corporate and/or institutional clients across a range of industries
• Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors
• Lead and/or participate in client due diligence by way of attending client, bank and other meetings to develop a better understanding of client companies, management teams, and industry sectors, and using financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment
• Apply corporate finance and accounting expertise to develop appropriate financing structures and prepare and review credit approval materials, ensuring all credit risk policies are followed
• Review and negotiate legal documentation to ensure terms are appropriate and consistent with credit approval
• Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations
• Interact closely with transaction stakeholders including client coverage and product bankers, credit executives and legal counsel
• Make sound credit recommendations and own the credit approval decision, while balancing a commercial and solution-driven mindset with a sound risk and controls attitude
• Assist in training and developing analysts, and work closely with analysts and our middle office and data teams to ensure accuracy of credit system data

Required qualifications, capabilities and skills

• Strong analytical and credit skills/judgment, covering both qualitative and quantitative aspects
• Strong understanding of products across loans, derivatives and liquidity and cash management products as well as related documentation
• Established team player with project management skills and ability to take end-to-end ownership of work/projects
• Ability to take an active role in identifying key issues and concerns relating to clients, their industries and transaction structures
• Ability to demonstrate good time management and clarity in thinking when dealing with multiple work streams in a fast-paced environment
• Ability to foster relationships and confidently interact with origination teams and other internal stakeholders
• At least 6 years' experience in roles with relevant skills for this position

Preferred qualifications, capabilities and skills

• Highly proficient in Microsoft Excel with an ability to navigate through financial models, as well as other Microsoft programs (PowerPoint, Word, Outlook, etc.)
• Undergraduate degree or post graduate qualifications in accounting, business, finance, or a quantitative related discipline
• Proficiency in written and verbal communication in both Japanese and English

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

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Client-provided location(s): Tokyo, Japan

Job ID: JPMorgan-210736110

Employment Type: FULL_TIME

Posted: 2026-04-15T19:34:39