Risk Management - Credit Officer Director - Executive Director

Credit Risk Director In Commercial Bank Risk

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.

Job summary

As a Credit Risk Director in Commercial Bank Risk, you lead a cross-functional team delivering credit solutions that support clients' financing needs. You oversee credit approval and manage a team of risk professionals, while working with a diverse client base. You guide your team in credit analysis, structuring, and negotiation, while maintaining portfolio quality and enforcing risk policies. You thrive in a dynamic environment, and driving high standards of execution.

Job responsibilities

• Lead and develop a team of risk professionals in analyzing and structuring new credit transactions and managing credit portfolios
• Assess risks and mitigants, balance risk and reward, and manage renewals, amendments, and new transactions to maintain strong credit metrics
• Form and communicate independent, well-supported views to partners and senior leadership
• Oversee complex transactions, including negotiations and legal documentation for various loan structures
• Collaborate proactively with internal and external stakeholders to advance transactions
• Drive execution with urgency to meet deadlines and client expectations
• Serve as an expert on structuring and credit policy for stakeholders
• Mentor and coach team members, contribute to team culture, and participate in improvement initiatives
• Demonstrate excellent communication skills to solve problems and influence outcomes
• Uphold organizational standards and adapt to change in a fast-paced environment

Required qualifications, capabilities, and skills

• Bachelor's degree in business, finance, or related field
• Completion of a major corporate or commercial bank credit training program or equivalent experience
• 10 years of experience in commercial banking or lending with extensive credit analysis, structuring, and loan documentation expertise
• Strong credit, accounting, corporate finance, analytical, and financial modeling skills
• Experience analyzing leveraged Mergers and Acquisition (M&A), sponsor transactions, direct loans and institutional loans executions
• In-depth understanding of loan documentation and ability to negotiate credit agreements
• Excellent interpersonal, verbal, and written communication skills with strong attention to detail
• Strong organizational, problem-solving, and project management skills with ability to manage competing priorities
• Intellectual curiosity and ability to learn quickly
• Demonstrated initiative, self-direction, and ability to perform well under pressure

Preferred qualifications, capabilities, and skills

• Advanced degree in business, finance, or related field
• Experience managing teams in a commercial banking environment
• Familiarity with ancillary bank products such as cash management and derivatives
• Track record of mentoring and developing junior talent
• Participation in process improvement or change management initiatives

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

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.