Lead Credit Officer

Job Description

Join Business Banking Risk as a Lead Credit Officer and play a key role in supporting growth within JPMorgan Chase's Government and Not-for-Profit portfolio. This position combines independent credit authority, transaction structuring, and risk management, offering the opportunity to evaluate complex lending opportunities, partner with business leaders, and help drive sound credit decisions that support clients while protecting the firm.

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 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.

Job Responsibilities:

• Exercise independent credit authority to evaluate, structure, and approve Business Banking credit transactions while ensuring alignment with firm risk appetite, underwriting standards, and policy requirements.
• Serve as a trusted risk advisor to Relationship Managers and business partners, balancing growth objectives with prudent risk management through thoughtful transaction structuring, including terms, covenants, collateral, and other risk mitigants.
• Underwrite and manage credit exposures within the Government and Not-for-Profit sectors, performing comprehensive due diligence through financial analysis, cash flow assessment, evaluation of industry and sector dynamics, and qualitative assessment of management and organizational strength.
• Synthesize financial, operational, industry, and borrower-specific information to identify material risks, assess repayment capacity, and formulate well-supported credit recommendations and approval decisions.
• Identify, escalate, and drive resolution of material credit concerns, portfolio trends, or emerging risk issues that may impact asset quality or portfolio performance.
• Ensure appropriate risk grading, documentation, and decision rationale while maintaining audit-ready records and adherence to regulatory and internal requirements.
• Contribute to a strong risk culture by sharing expertise, coaching colleagues, and promoting consistent underwriting and credit risk management practices.

Required Qualifications, Capabilities, and Skills:

• Bachelor's degree or equivalent professional experience.
• Minimum 5 years experience in Credit Risk, Loan Credit, or similar subject.
• Demonstrated experience evaluating, structuring, and approving commercial credit transactions, with the ability to exercise independent judgment and articulate clear, evidence-based credit decisions.
• Strong understanding of credit risk management principles, including financial analysis, risk identification, transaction structuring, risk grading, and portfolio management concepts.
• Proven ability to assess complex borrower situations, balance business objectives with risk considerations, and recommend practical risk mitigation strategies.
• Executive-level written and verbal communication skills, including the ability to influence stakeholders, negotiate transaction structures, and present clear recommendations to business and risk leaders.
• Strong organizational and prioritization skills, with the ability to manage a diverse portfolio of work in a fast-paced, highly regulated environment.

Preferred Qualifications, Capabilities, and Skills

• Experience supporting Government, Municipal, and/or Not-for-Profit clients, including familiarity with sector-specific credit considerations and underwriting approaches.
• Demonstrated success managing complex credit relationships and transaction structures involving customized covenant, collateral, or repayment arrangements.
• Experience serving as a trusted advisor, coach, or mentor to credit professionals and business partners.
• Advanced degree in business, finance, accounting, or a related discipline.

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co. will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit, including optional practical training (OPT) or curricular practical training (CPT).

About Us

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. 

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions.  We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our  FAQs for more information about requesting an accommodation.

Equal Opportunity Employer/Disability/Veterans

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

Our business bankers work in the Consumer Bank to provide financial solutions to small business owners across the U.S. Customers turn to us for financing and advice as they start, run and grow their businesses. We partner with clients throughout the process, investing in our communities and people for the long-term.