Business Banking Lead Credit Officer, Vice President

JPMorgan Chase & Co.•Houston, TX

16h•Onsite

About The Position

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 in Business Banking Risk, you oversee, manage, and make credit decisions for new and existing extensions of credit across the Business Banking line of business. You will evaluate opportunities end-to-end—from due diligence and risk identification to structuring terms and negotiating documentation—while applying sound credit judgment and policy expertise. You will also synthesize quantitative and qualitative insights, translate business needs into clear requirements and stories, and communicate portfolio themes to senior Risk forums. This role provides the opportunity to influence credit strategy, strengthen portfolio performance, and help ensure robust risk governance across the business.

Requirements

Bachelor’s degree or equivalent experience
Advanced coursework/training in finance, accounting, and credit (bank program or college coursework)
5+ years of experience as a relationship manager, Credit Officer, or similar role requiring commercial credit judgment
Demonstrated ability to formulate objective credit views grounded in rigorous analysis
Strong working knowledge of credit philosophy and policies and underwriting best practices
Working knowledge of loan documentation, bankruptcy concepts, and related legal considerations
Proven capability to analyze complex financial and risk information and identify key drivers and mitigants
Strong verbal and written communication skills, including presenting findings to senior stakeholders
Strong interpersonal skills with the ability to influence and collaborate across teams
Strong analytical and problem-solving skills, with attention to detail and sound controls mindset
Ability to work effectively in a team environment while assuming individual accountability for decisions
Authorized to work in the United States
No employment-based immigration sponsorship offered

Nice To Haves

Graduate degree in business (MBA or equivalent)
Experience developing portfolio insights and presenting to senior governance forums
Track record of driving process improvements in underwriting, monitoring, or risk decisioning

Responsibilities

Analyze and decide credit requests for new and existing credit extensions
Prepare and challenge quantitative and qualitative credit analyses to ensure accuracy and sound judgment
Structure transactions by reviewing terms, negotiating conditions, and recommending risk mitigants
Conduct due diligence and identify key risks across a range of Business Banking client relationships
Gather business requirements and write clear business and technical stories for management consumption
Assess market conditions, competitor actions, financial metrics, and regulatory factors to inform decisions
Manage and analyze large datasets related to credit exposures and portfolio trends
Escalate emerging credit risks and issues appropriately to relevant business areas and stakeholders
Collaborate with model risk and analytics partners to support documentation, credible challenge, and approvals
Develop portfolio deep dives and deliver presentations for senior Risk forums to support governance and decisions
Provide guidance on credit product structure and terms to balance growth objectives with prudent risk standards