Credit Review Vice President

Location: Jersey City, NJ, United States

Job Family: Credit Review

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client service. The Credit Review Vice President role within our Corporate & Investment Bank division plays a critical part in safeguarding the integrity of our wholesale lending portfolios. Based in Jersey City, NJ, this position involves leading independent assessments of credit processes to ensure robust risk management across commercial, industrial, and real estate lending activities. As a Vice President, you will contribute to maintaining the high standards that define JP Morgan Chase, helping to protect against credit losses while supporting sustainable business growth in a dynamic regulatory landscape. In this role, you will conduct thorough reviews of credit origination, underwriting, and ongoing monitoring practices, evaluating their alignment with internal policies and external regulations such as those from the OCC and Federal Reserve. Your work will involve analyzing complex borrower profiles, performing portfolio stress tests, and identifying potential vulnerabilities in sectors like energy and healthcare. Collaborating closely with front-line business teams, risk officers, and compliance experts, you will deliver actionable insights through detailed reports and executive presentations, driving enhancements to our credit frameworks and contributing to the firm's overall risk culture. We seek a seasoned professional with a passion for financial risk and a commitment to excellence. This position offers the opportunity to leverage your expertise in a collaborative environment at one of the world's most admired companies, with exposure to high-impact projects that shape JP Morgan Chase's lending strategy. Join us to advance your career while helping deliver superior outcomes for our clients and stakeholders.

Key Responsibilities

• Lead independent reviews of credit origination, underwriting, and monitoring processes within JP Morgan Chase's wholesale lending portfolios
• Assess the effectiveness of credit risk management practices and identify areas for improvement to mitigate potential losses
• Evaluate portfolio quality through detailed analysis of borrower financials, collateral, and covenant compliance
• Collaborate with business lines, risk management, and compliance teams to ensure adherence to internal policies and regulatory standards
• Prepare comprehensive reports and presentations on review findings for senior management and regulatory bodies
• Develop and recommend enhancements to credit policies, procedures, and risk rating models
• Conduct stress testing and scenario analysis on credit portfolios to gauge resilience against economic downturns
• Mentor junior team members and contribute to the ongoing training of credit review methodologies
• Monitor emerging risks in wholesale lending sectors such as energy, healthcare, and real estate
• Support audit and regulatory examinations by providing expert insights on credit processes

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Minimum of 7-10 years of experience in credit risk management, underwriting, or portfolio review within the financial services industry
• Deep knowledge of wholesale lending products, including commercial real estate, corporate lending, and syndicated loans
• Proven track record in conducting independent credit reviews and assessing credit processes in large financial institutions
• Strong understanding of regulatory requirements such as Basel III, Dodd-Frank, and OCC guidelines for credit risk
• Experience with credit rating methodologies and portfolio stress testing
• Ability to travel up to 20% for on-site reviews and client meetings

Preferred Qualifications

• MBA or advanced degree in Finance or Risk Management
• Certification as a Credit Risk Professional (CRP) or Chartered Financial Analyst (CFA)
• Prior experience at a major bank like JP Morgan Chase in wholesale banking or credit review functions
• Familiarity with advanced analytics tools for credit portfolio analysis
• International exposure to credit markets in Europe or Asia

Required Skills

• Expertise in credit analysis and financial modeling
• Proficiency in Excel, SQL, and data visualization tools like Tableau
• Strong analytical and problem-solving abilities
• Excellent written and verbal communication skills
• Knowledge of accounting principles (GAAP/IFRS)
• Risk assessment and portfolio management
• Regulatory compliance and audit experience
• Attention to detail and accuracy in reporting
• Leadership and team collaboration skills
• Project management and time management
• Adaptability to fast-paced financial environments
• Quantitative analysis and statistical modeling
• Negotiation and stakeholder management
• Ethical judgment in high-stakes decisions
• Familiarity with banking software like Moody's or S&P Capital IQ

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company match
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at Jersey City location
• Flexible work arrangements and hybrid work options

JP Morgan Chase is an equal opportunity employer.