Risk Management – Home Lending Originations Risk Lead Credit Officer – Vice President

JPMorgan Chase & Co.•Tempe, AZ

15h

About The Position

As an Originations Risk Lead Credit Officer within the Home Lending Credit Risk team, you will evaluate and identify risks during ongoing surveillance of Agency (Fannie Mae and Freddie Mac) initiatives as well as other investor and insurer guideline changes. You will operate in a dynamic and fast-paced environment, upholding risk governance through policy updates, stakeholder approval, and controlled implementation. You will be part of a highly collaborative team that prioritizes researching, learning, professional development, inclusivity, and mentorship.

Requirements

Minimum of 10 years of current and relevant mortgage lending experience
Strong verbal, written, and presentation skills required; must be able to communicate with impact and build rapport with diverse audiences and levels of management.
Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
Comfort with data monitoring: trend analysis, QC/audit findings, early performance indicators
Ability to think through situations to reach timely, high quality and actionable decisions
Proficiency in Microsoft Teams, Outlook, Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Nice To Haves

Focus in Policy mortgage lending experience preferred
Experience with digital underwriting, automation, and AI tools
Data mining skills to obtain and interpret ad-hoc loan transaction populations
Subject matter expert for current Chase product offerings

Responsibilities

Represent Risk in various capacities with all business stakeholders while ensuring core Risk principles are clearly conveyed and enforced
Monitor trends of both Originations and Portfolio Performance metrics and Quality Review/Audit findings to allow for development of actions that proactively (or in some cases, reactively) mitigate risk
Research, develop, and implement Home Lending guidelines
Utilize adept risk analysis to review proposed and recent investor guideline changes which leads to researching, developing, and recommending Guideline actions that may act as overlays to insurer guidance
Perform in a leading role for the Agency Working Group meeting process
Present frequently to senior management and Risk Committee audiences
Support detailed drafting, editing and communication needs for Originations Risk
Maintain a comprehensive understanding of processes and systems for both Consumer and Correspondent Originations, tailoring risk oversight to each channel
Use approved internal AI/automation tools to accelerate surveillance, impact analysis, drafting, and test case creation while maintaining documentation and controls
Support audit and exam readiness, proactively address findings, and close action plans on time
Review individual loan transactions to find and illustrate trends that should be escalated for (potential) action