Credit Officer, Vice President - Asset-Backed Finance

Lead Credit Officer Vice President

As part of the risk management and Compliance, you are at the center of keeping JPMorgan Chase 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 within Wholesale Credit Risk for J.P. Morgan's Commercial & Investment Bank, you will independently evaluate, approve, and actively manage risk for predominantly Asset-Backed Securitization financings (ABS) across consumer and commercial asset classes from auto loans and credit cards to digital infrastructure and emerging collateral types. Partner with deal teams to structure complex financings, validate stress models, present recommendations to senior credit approvers, and actively manage a dynamic portfolio. Additionally, you will combine deep asset-level analysis with corporate credit assessment of originators and servicers, giving you a comprehensive view of risk across the capital structure. This role offers more than technical challenge it's a platform for leadership. Coach junior analysts, influence outcomes, and help shape the future of structured finance.

Job Responsibilities

• Develop forward-looking view of client businesses and collateral risk through financial analysis of asset originators and servicers, including liquidity, leverage, cash flow, profitability, covenant compliance, and operational resiliency
• Lead and document due diligence on clients, servicers, and assets through virtual and onsite reviews; evaluate asset data and performance trends to form prospective risk outlook
• Provide independent challenge on proposed financing terms and structures to ensure alignment with risk appetite; identify, assess, and quantify key risks across asset performance, counterparty profile, and structural features
• Validate cash flow and waterfall models to confirm loss coverage, liquidity, weighted average life, and trigger headroom; challenge model assumptions and structural protections
• Review and approve agreed-upon procedure (AUP) scopes and reports for receivable audits conducted by independent securitization consultants
• Prepare and oversee written credit analyses with clear recommendations for senior credit approvers; document rationales, conditions, and monitoring requirements
• Review transaction legal documentation for consistency with approved terms
• Continuously monitor assigned portfolio credit quality; maintain accurate risk grades and early warning indicators to identify deteriorating credits and implement protective mitigants
• Coach and train junior analysts while upholding analytical rigor, documentation standards, and timely delivery of credit approvals
• Oversee accurate booking of exposures in J.P. Morgan credit systems; coordinate with middle office to maintain data integrity
• Lead ad-hoc initiatives (portfolio reviews, regulatory inquiries) and contribute to enhancements in credit risk governance, as needed

Required Qualifications, Capabilities, and Skills

• Bachelor's degree in finance, economics, business or a related field
• Minimum 5 years of experience in corporate credit/banking, asset-based lending (ABL), a national rating agency, or other roles involving highly structured credit lending and/or analysis
• Experience in assessing and managing risk, preferably with non-bank financial institutions (NBFIs), securitization, and structured finance; completion of a bank credit/analyst training program (or equivalent) preferred
• Strong analytical and critical-thinking skills with proficiency in Excel modeling (cash-flow/waterfall), stress-testing, and validating assumptions
• Excellent written and verbal communication skills; able to explain complex topics clearly to stakeholders
• Proven ability to negotiate deal terms and structure solutions collaboratively with internal stakeholders and deal originators
• Capable of providing independent credible challenge on complex concepts and proposed structures
• Highly motivated self-starter with a natural passion for learning and an inquisitive mindset
• Strong interpersonal skills and the ability to work effectively in a team environment
• Ability to manage multiple transactions and deadlines simultaneously with strong attention to detail
• Strong sense of accountability, ownership, and work ethic

Preferred Qualifications, Capabilities, and Skills

• Familiarity with asset-backed securities (ABS) markets and experience lending to or analyzing ABS structures
• Familiarity with whole business securitizations, fiber transactions, and/or digital infrastructure asset classes
• Familiarity with rating-agency criteria and methodologies for asset-backed securities
• Basic understanding of credit, legal documentation, and securitization financing processes
• Proficiency with advanced Excel and PowerPoint

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

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.