Risk Management - Business Banking Credit Officer - Vice President

Job Description

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.

• Conduct due diligence, review, underwrite and decide all credit requests where total client exposure is between $5MM and $10MM.
• Decision on renewal requests, complete annual reviews of larger credit exposures and maintain relationships with key functional partners (Sales, Operations, Legal, Compliance and Risk).
• Appropriately assess the risk in the portfolio, ensuring that divisional risk and underwriting team partners decide all credit transactions according to BB guidelines.
• Assess pending credit requests and elevate any heightened risks identified.
• Work with Divisional Risk Manager(s), Portfolio Manager(s) and Managed Assets partners to ensure the portfolio and individual credits are managed properly and within BB guidelines.
• Identify opportunities to improve controls and efficiencies, lead change through projects.
• Provide a full risk assessment, complete due diligence and final decision for all credit requests where exposure lies $5MM–$10MM.
• Opine and provide decisioning on all relationships where exposure exceeds $10MM.
• Implement the firm’s risk appetite across the various industries and all geographic locations.
• Ensure appropriate Risk Grading and Loss Given Default assignments to all credits.
• Communicate as key point of contact with the Divisional Risk Manager and market management levels.
• Ensure appropriate credit analysis, due diligence, and review of documents for credit decisions with new money and portfolio activities.
• Partner with other functions to put in place and consistently improve processes to drive efficiency and consistency while maintaining credit quality of portfolio and risk strategies.
• Work closely with Divisional Risk, Portfolio Management and Managed Assets/Special Credits, supporting existing portfolio through effective internal communication.
• Work with the Sr. Credit Officer group on strategic management projects, report to or present to senior management.
• Travel to supported markets to meet potential and current clients as necessary (10%).

• Bachelor’s degree or higher.
• Formal Credit Training from a well-recognized Financial Institution.
• Demonstrated ability to influence decisions, work among a team of peers and/or senior management, and manage time‑sensitive, complex initiatives.
• 10+ years of underwriting and/or credit risk experience.
• Excellent risk assessment skills, including risk identification and measurement, mitigation strategy development, regulatory management, policy and procedure development.
• Excellent interpersonal and communication skills, including ability to negotiate, compromise and demonstrate diplomacy in sensitive situations and to interact effectively with senior management.
• Ability to build relationships with the Business and other LOB partners.
• Excellent analytical and problem‑solving skills.
• Ability to prioritize and execute on multiple, simultaneous, complex priorities.
• Strong understanding of Credit and Treasury Products as well as their inherent risks and available mitigants.

• Experience in a banking or financial services environment.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Eligible roles may receive commission‑based pay and/or discretionary incentive compensation. Additional benefits include comprehensive health care coverage, on‑site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more.

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.