Business Banking SBA Credit Risk Officer, Vice President

Bring your expertise to JPMorgan Chase. As part of 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 in Business Banking Risk, you lead credit oversight and decisioning for new and existing extensions of credit within the Business Banking line of business. You evaluate complex credit opportunities end-to-end—from due diligence and financial analysis through structuring, negotiation, and final decision—while proactively identifying, escalating, and helping mitigate credit risk issues. You also support senior risk discussions by translating portfolio data into clear insights and recommendations, and partner cross-functionally to strengthen credit strategy, controls, and (as applicable) model governance.Job Responsibilities: Analyzes and decisions credit requests.Prepares, reviews and challenges quantitative and qualitative credit analysis while also responsible for Business Analysis, gathering requirements and writing business and technical stories for consumption by management.Applies broad knowledge of key collection strategies (e.g., competitor activities, market conditions, financial metrics and regulatory environment) to perform analysis and present findings to senior management for decision making.Provides input and guidance to the structure and terms of the relevant credit products extended to issuers/clients.Manages and analyzes large amounts of data and information pertaining to credit risk exposures.Identifies, analyzes and escalates credit risk issues to the respective business areas.Performs in-depth credit analysis of potential opportunities and existing credit relationships across the business spectrum.May collaborate with the model group to prepare model documentation, provide credible challenge, and obtain usage approvals.Provides input into deep dives and prepares and delivers presentations for various senior Risk forums to provide updates on the Credit portfolio and support risk discussions.Required qualifications, capabilities and skills:Bachelor's degree or equivalent experienceCompletion of advanced courses in finance, accounting, and credit 8+ years’ experience requiring business banking/commercial knowledge and credit judgement.Ability to formulate and articulate objective views based on professional analysis. Strong knowledge of credit policies, loan documentation, bankruptcy and related legal issues.Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills. Demonstrated PC aptitude. Works effectively in a team environment, while assuming individual responsibility.Preferred qualifications, capabilities, and skills:Business Banking/Commercial portfolio banking experienceSmall Business Association credit/operations banking experienceA master's degree is preferredChase 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 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. Full timePosting Date: 2026-08-19