Risk Management - Lead Credit Officer - Vice President

Bring your expertise to JPMorganChase. 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 Vice President Portfolio Risk Manager in Risk Management and Compliance, you will partner with the market, various risk teams, and workout teams to manage the loan portfolio utilizing various metrics, ensure clear alignment on divisional risk appetite and portfolio strategy, manage the non-pass portfolio as well as portfolio trends, transaction escalations, and gaps in delivery.You will excel at presentation, communication and problem solving, have a passion for analyzing large chunks of information and identifying trends and risk issues, and then be able to form a concise view and strategy on how best to mitigate with help from the overall risk team.Job ResponsibilitiesAnalyze the division loan portfolio and its key metrics monthly and then author and publish 2 critical risk reports that are reviewed monthly with the markets regarding the health of the division and specific market loan portfolio.Drive oversight of the division’s loan portfolio by managing to regulatory Key Risk Indicators and Key Performance Indicators and specializing in supervision of the non-pass portion of the loan portfolio.Align with assigned Division Risk Manager, Senior Risk Approver, and Underwriting Manager on a coordinated risk appetite, portfolio strategy, escalation process, and consistent communication to the markets.Review and approve downgrades within granted credit authority, for the non-pass portion of the portfolio, and consult with the market on appropriate strategies concerning stay/exit, and transfer deteriorating relationships to the workout teams when appropriate.Identify emerging risks in the loan portfolio through diligent analysis, review of portfolio metrics and trends, scheduled portfolio reviews as assigned, as well as staying current with market conditions and economic cycles.Prepare ad hoc materials or reports for the Division Risk Manager as assigned as well as interact with other functional Risk partners such as Legal, Compliance, Controls, Underwriting, and Sales.Form strong working relationships with market leaders and their teams as well as all related risk teams. Required qualifications, capabilities, and skillsMinimum 5+ years of demonstrated achievement in risk management, financial or portfolio analysis.Strong written and verbal communication skills and ability to interact and form strong working relationships with all levels of the organization is requiredAdvance knowledge of MS Office Suite (Word, Excel, PPT, Sharepoint)Strong interpersonal skills - a highly motivated, confident, team playerAbility to work independently & manage projects and deadlinesPreferred qualifications, capabilities, and skillsA bachelor's degree in Business, Finance, Accounting, Economics, or equivalent work experience preferredCompletion of a formal credit underwriting training program, having held credit authority in wholesale lending capacity, or equivalent experience underwriting and/or approving business loans.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 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: 2026-04-02