Credit Ops Analyst I - Commercial Credit Card Lending

JPMorgan Chase & Co. • Tempe, AZ

3d

About The Position

As a Credit Operations Analyst I at JPMorganChase, you will analyze credit data and trends to enhance credit operations, support decision-making, and contribute to departmental objectives. You will apply knowledge of credit operations, customer service, computer technology, and strategic analysis while collaborating across teams. The role includes underwriting commercial credit requests, analyzing business financial statements and tax returns, assessing risk and creditworthiness, and making credit decisions and recommendations. You will also support and execute recommendations, including responding to challenges and negotiating counteroffers where appropriate.

Requirements

• At least 2 years of experience or equivalent expertise analyzing credit data and trends to support decision-making.
• 3 years of commercial credit lending experience.
• Proficiency using computer technology to perform tasks, solve problems, and communicate professionally.
• Ability to manage conflicts within teams and arising from business decisions, facilitate discussions, and create win-win solutions.
• Experience fostering cross-functional collaboration, coordinating efforts, sharing knowledge, and using diverse perspectives to solve complex problems.
• Strategic thinking skills, including using data to research and understand issues and opportunities and collaborating on strategy development.

Nice To Haves

• Proficiency in prompt writing for clear and concise credit-related communications and documentation.
• Experience supporting the integration of artificial intelligence tools into credit operations.
• Ability to assist with implementing automation solutions to streamline credit workflows and improve efficiency.
• Basic digital proficiency using credit management systems and tools.
• Ability to conduct preliminary data analytics to support credit decisions and identify trends.
• Strong collaboration skills to support smooth credit operations and process improvements.
• Willingness to participate in training and development opportunities to enhance credit operations skills.

Responsibilities

• Analyze credit data and trends to enhance decision-making within the credit operations department.
• Identify and resolve potential conflicts arising from credit operations decisions.
• Understand and respond to customer interactions and perceptions throughout the customer journey.
• Foster an inclusive team environment and collaborate with individuals across departments and areas of expertise.
• Support innovative solutions and process changes to improve credit operations.
• Spread business financial statements and tax returns, perform ratio analysis and risk assessments, and make credit decisions and recommendations through written and verbal presentations.
• Execute and support recommendations when challenged and negotiate counteroffers where appropriate.
• Underwrite commercial requests for moderate-to-large lines of credit with limited guidance from the immediate manager.
• Use credit and lending transaction knowledge and analytical skills to exercise independent judgment.
• Conduct commercial credit analysis to determine creditworthiness and adjust credit limits accordingly.

Benefits

• Competitive total rewards package, including base salary determined by role, experience, skill set, and location.
• Eligible roles may receive commission-based pay and/or discretionary incentive compensation in cash and/or forfeitable equity.
• Comprehensive health care coverage.
• On-site health and wellness centers.
• Retirement savings plan.
• Backup childcare.
• Tuition reimbursement.
• Mental health support.
• Financial coaching. Additional benefits and programs are available based on eligibility.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Education Level: No Education Listed