Risk Management - Lead Credit Officer - Vice President

JPMorganChase•Columbus, OH

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 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. Responsibilities include analysis of credit opportunities, structuring transactions, negotiating and reviewing terms, identifying risks, conducting due diligence and applying credit authority.

Requirements

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.

Nice To Haves

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

Responsibilities

Analyze and decisions credit requests.
Manage either directly or indirectly small teams of individual contributors.
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.