Description The role will cover a wide range of Leveraged (both Private Equity-owned and Corporate) and Investment Grade clients in the Consumer, Healthcare and Retail sectors. As a Wholesale Credit Risk EMEA – Consumer, Healthcare, Retail – Vice President in the Commercial & Investment Bank team, you will play a crucial role in negotiating and developing recommendations for new transaction approvals across a variety of products, including secured and unsecured loans, derivatives, trade, and treasury products. You will lead due diligence and credit analysis to assess the creditworthiness of counterparties, making recommendations on appropriate structures, risk appetite, and grading. Your role will involve structuring and documentation negotiations, as well as ongoing credit risk portfolio management. You will also be committed to personal development and fostering team knowledge by coaching and training members of the Analyst and Associate community. Your ability to balance a commercial mindset with a sound risk and controls attitude will be key to managing the Firm’s balance sheet effectively. Job responsibilities Negotiate and develop recommendations for new transaction approvals across various products. Lead due diligence and credit analysis to assess counterparty creditworthiness. Make recommendations on appropriate structure, risk appetite, and grading. Lead structuring and documentation negotiations for Investment Grade or Leveraged facilities. Commit to personal development and foster team knowledge through coaching and training. Manage ongoing credit risk portfolio, including monitoring credit ratings, sector trends, and client performance. Balance a commercial and solution-driven mindset with a sound risk and controls attitude. Develop close working relationships with senior stakeholders within the Commercial & Investment Bank. Understand and apply J.P. Morgan’s Risk management policies in interactions with stakeholders, including Regulators and Auditors. Required qualifications, capabilities, and skills Sound credit skills and judgment, with a proactive and flexible approach to coordinating and leading credit processes. Good interpersonal and communication skills, with the ability to establish credibility and trust with internal business and risk stakeholders. Working knowledge of transaction structures, documentation, and banking products sufficient to lead the execution of new deals and portfolio workstreams. Experience in Sponsor deal financings Ability to be a self-starter while working effectively in a team environment. Significant of experience in a comparable environment. Preferred qualifications, capabilities, and skills Previous experience leading loan documentation negotiations and core corporate derivative documentation is recommended (Investment Grade, Leverage Finance, Sponsor LBO). Experience in Consumer, Healthcare & Retail industries is valuable but not required