Credit Review, Vice President

Job Description

This role provides great visibility to management and focuses on portfolios within the Corporate and Investment Bank,  Wealth Management, and Business Banking lines of business!

As a Credit Review Vice President within our Credit Review team, you will take the lead in planning and executing periodic credit reviews, as well as participating in review assignments. Your role will involve guiding team members in activities that assess commercial loan transactions and conduct evaluations of underwriting and portfolio management. This will allow you to independently provide opinions on the adequacy of underwriting analysis, the accuracy and timeliness of risk grading decisions, the suitability of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. In between periodic reviews, you will independently monitor credit risk trends within assigned commercial lending portfolios, attend relevant meetings, and foster and maintain relationships with internal stakeholders responsible for credit approval.

Job Responsibilities 

• Lead a team of reviewers as reviewer-in-charge by chairing the planning, kick-off, findings presentation, and closing meetings. Coordinate with the Credit Review Director on team assignments, define project scope, evaluate credit risk controls, communicate with management, review and assess findings, recommend corrective actions, write reports, and archive documents.
• Participate in Credit Review team-led reviews by preparing financial analyses and risk assessments, evaluating credit underwriting quality, recording findings, and engaging in review meetings.
• Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings. 
• Serve as an information resource on commercial credit risk and policy. Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence. 
• Ensure consistent application of firm wide Risk Policy as well as Credit Review Policies and Procedures. 
• Complete special projects and research as assigned by the Credit Review Director. 

Required qualifications, capabilities and skills

• Experienced credit professional with minimum 10-years commercial credit experience
• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
• Demonstrated understanding of commercial credit principles and strong analytical skills. 
• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management. 
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability. 
• Proven ability and desire to learn quickly, be adaptable, and think strategically. 
• Ability to manage multiple tasks concurrently, with a high sense of urgency.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation. 
• Ability to travel as required. 

Preferred qualifications, capabilities and skills

• Background in commercial credit underwriting and credit risk management preferred
• Successful completion of formal credit training program preferred, but not necessary.  
• Previous credit review experience is preferred, but not necessary.

About Us

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

The Audit department provides independent assessments to evaluate, test and report on the adequacy and effectiveness of our governance, risk management and internal controls. The team’s priorities are focused on strong governance, transparency, strategic engagement, and fostering a diverse and inclusive culture that develops our talent.