Risk Management - Credit Officer Lead - Vice President

JPMorganChase • Plano, TX

9d

About The Position

As a Lead Credit Officer Vice President on JPMorganChase’s Commercial and Investment Bank Credit Risk team, you will apply analytical abilities and credit industry knowledge to make informed credit decisions for a client portfolio within the Diversified Industries sector. You will partner with the business line to fulfill client credit requests while balancing risk and return for the firm. The role develops forward-looking risk assessments, recommends appropriate credit structures, proactively manages portfolio quality, and leads a team of credit professionals. You will help anticipate emerging risks and deliver sound, defensible credit judgment.

The position is part of Risk Management and Compliance, which supports responsible business growth by anticipating emerging risks and solving challenges affecting the company, customers, and communities. The group emphasizes challenging the status quo and striving for best-in-class work.

Requirements

• Bachelor’s degree.
• More than 7 years of commercial or investment banking lending experience, including extensive credit analysis, structuring, and marketing.
• Solid understanding of financial products, corporate finance, financial modeling, and market dynamics.
• Advanced knowledge of financial statements and accounting.
• Experience with credit agreement documentation.
• High proficiency in Excel, PowerPoint, and Word.
• Knowledge of derivative products and documentation, including ISDA and Credit Support Annex (CSA).
• Excellent written and verbal communication skills.
• Ability to present analysis effectively and interact with key stakeholders.
• Ability to perform client due diligence and support negotiation.
• Management experience, including leading and developing team members.
• Role is subject to Section 19 of the Federal Deposit Insurance Act; an offer is contingent on review of criminal conviction history.

Nice To Haves

• Master of Business Administration.

Responsibilities

• Identify key risk factors across clients, transactions, and industry sub-sectors, and develop forward-looking assessments of companies, transactions, competitive threats, and industry dynamics.
• Lead or participate in client due diligence through client, bank, and other meetings; use financial models to assess risks to key value drivers and recommend appropriate credit structures.
• Apply corporate finance and accounting expertise to develop financing structures and prepare and review credit approval materials in accordance with policy.
• Review and negotiate legal documentation, including credit agreements and ISDAs, to ensure terms align with credit approval.
• Assess client creditworthiness and assign appropriate credit ratings.
• Maintain accurate, current risk ratings and proactively identify and manage deteriorating credits and problem situations.
• Prepare and present quarterly financial snapshots of the Diversified Industries portfolio and annual portfolio review materials to senior management.
• Support analyst training and development, and partner with middle office and data teams to ensure credit system data accuracy.
• Manage a team of six to eight associates or senior associates.

What This Job Offers

• Job Type: Full-time
• Career Level: Senior