Risk Management - Credit Officer Lead - Vice President

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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 on the Commercial and Investment Bank Credit Risk team, you will apply your analytical abilities and credit industry knowledge to make informed credit decisions for a client portfolio within the Diversified Industries sector. You partner with the business line to fulfill client credit requests while maintaining a balance between risk and return for the firm. You develop forward-looking risk assessments, recommend appropriate credit structures, and proactively manage portfolio quality while leading a team of credit professionals. You help us anticipate emerging risks and deliver sound, defensible credit judgment.
Job responsibilities:
Identify key risk factors across clients, transactions, and industry sub-sectors and develop forward-looking risk assessments of companies, transactions, competitive threats, and industry dynamics
Lead or participate in client due diligence through client, bank, and other meetings, using financial models to assess the impact of risk 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
Required qualifications, capabilities, and skills:
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
Preferred qualifications, capabilities, and skills:
Master of Business Administration
Role subject to Section 19 of the Federal Deposit Insurance Act, with offer contingent on review of criminal conviction history