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 Business Banking Risk, you will be responsible for the oversight, management and credit decisioning of new and existing extensions of credit and credit risk for the Business Banking line of business. Your responsibilities include analyzing credit opportunities, structuring transactions, negotiating and reviewing terms, identifying and escalating risks and presenting findings to senior leadership, conducting due diligence, and applying credit authority, You will leverage credit and business banking expertise to drive sound risk decisions, collaborate across teams, and contribute to portfolio-level risk discussions. This role calls for strong analytical judgment, deep credit knowledge, and the ability to challenge the status quo in a fast-paced, team-oriented environment.

Job Responsibilities:

• Analyze and decisions credit requests.
• Prepares, reviews and challenges quantitative and qualitative credit analysis while also responsible for Business Analysis, gathering requirements and writing business and technical stories for consumption by management.
• Applies broad knowledge of key collection strategies (e.g., competitor activities, market conditions, financial metrics and regulatory environment) to perform analysis and present findings to senior management for decision making.
• Provides input and guidance to the structure and terms of the relevant credit products extended to issuers/clients.
• Manages and analyzes large amounts of data and information pertaining to credit risk exposures.
• Identifies, analyzes and escalates credit risk issues to the respective business areas.
• Performs in-depth credit analysis of potential opportunities and existing credit relationships across the business spectrum.
• May collaborate with the model group to prepare model documentation, provide credible challenge, and obtain usage approvals.
• Provides input into deep dives and prepares and delivers presentations for various senior Risk forums to provide updates on the Credit portfolio and support risk discussions.

Required qualifications, capabilities, and skills:

• Minimum of bachelor's degree or equivalent experience
• Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work.
• Typically, 10 plus years’ experience as a relationship manager, Credit Officer or similar position requiring business banking/commercial knowledge and credit judgment.
• Ability to formulate and articulate objective views based on professional analysis.
• Thorough knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Works effectively in a team environment, while assuming individual responsibility.

Preferred qualifications, capabilities, and skills:

• Graduate degree in business preferred.
• Business Banking/Commercial portfolio management experience