Risk Management - Credit Officer Lead - Vice President

JPMorgan Chase & Co. • 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 in 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. It also involves anticipating emerging risks and delivering sound, defensible credit judgment.

The position is part of Risk Management and Compliance, which supports responsible business growth by anticipating emerging risks and addressing challenges affecting the firm, customers, and communities. The role is subject to Section 19 of the Federal Deposit Insurance Act, and an offer is contingent on review of criminal conviction history.

Requirements

• Bachelor’s degree.
• 7 plus 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.

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 risk impacts on 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 line 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 training and development of analysts 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.

Benefits

• Competitive total rewards package, including base salary determined based on role, experience, skill set, and location.
• Eligible roles may receive commission-based pay and/or discretionary incentive compensation in the form of 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.

What This Job Offers

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