Lead Credit Officer - Asset Wealth Management - Senior Associate

JPMorganChase • Columbus, OH

18h

About The Position

Wealth Management provides advice, strategies, and solutions for the complex financial, lending, and wealth transfer needs of high-net-worth and ultra-high-net-worth clients. Within Risk Management and Compliance, the Wealth Management Credit Risk team independently oversees credit risk across a broad range of lending products and client transactions, supporting responsible business growth in line with the firm's risk appetite, policies, and regulatory standards.

As a Senior Associate Credit Approver on the Wealth Management Credit Risk team, you will evaluate and identify risks, analyze complex client and transaction data, and provide independent credit risk assessments to support well-informed management decisions. You will oversee consumer and business-purpose lending transactions secured by products governed by Credit Risk Policies and Guidelines. The role requires consistent application of risk standards and sound credit judgment, in close partnership with bankers, underwriters, and other Wealth Management risk professionals.

Requirements

• Bachelor's degree in a business or finance concentration.
• Three years of experience in commercial real estate lending or five years of other banking or finance experience.
• Thorough understanding of multifamily real estate property valuations and cash flow analysis.
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
• Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail.
• Excellent verbal and written communication and problem-solving skills.
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.
• Familiarity with regional commercial real estate markets and municipal regulations.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Nice To Haves

• Advanced degree in a related field.
• Experience with proprietary credit risk management tools.
• Experience with large language model tools.

Responsibilities

• Oversee credit analysis and risk evaluation for loans secured by products governed by Credit Risk Policies and Guidelines.
• Evaluate and manage risks in each transaction.
• Build and maintain strong relationships with internal business stakeholders, including sales, processing, closing, and legal.
• Apply relevant policies, standards, procedures, and regulatory requirements to credit analysis activities.
• Use data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

What This Job Offers

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