Risk Management - Lead Credit Officer-Vice President

Location: Atlanta, GA, United States

Job Family: Credit Risk

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client service. As a Lead Credit Officer - Vice President in our Specialized Industries Risk group, you will play a pivotal role in managing credit risk for our diverse portfolio of corporate clients in sectors such as manufacturing, energy, transportation, and healthcare. Based in our Atlanta, GA office, this position offers the opportunity to lead high-impact credit decisions that support the bank's growth while safeguarding against potential risks. You will work closely with cross-functional teams to underwrite complex transactions, ensuring they align with our rigorous risk standards and regulatory obligations. Your primary focus will be on leading the credit analysis process, from initial due diligence to ongoing portfolio monitoring. This includes performing detailed financial reviews, stress testing scenarios, and recommending credit structures that balance client needs with prudent risk management. As a senior leader, you will mentor junior team members, foster a culture of excellence in risk assessment, and contribute to strategic initiatives that enhance our Specialized Industries capabilities. At JP Morgan Chase, you will leverage cutting-edge tools and data analytics to drive informed decisions in a dynamic financial landscape. We value professionals who thrive in collaborative environments and bring deep expertise to the table. This role demands a blend of technical acumen, leadership prowess, and a commitment to integrity—core tenets of JP Morgan Chase. Joining our team means becoming part of a global network dedicated to powering the progress of individuals and businesses worldwide, with opportunities for career advancement and meaningful impact in the financial services industry.

Key Responsibilities

• Lead the credit underwriting and approval process for complex transactions in specialized industries, ensuring alignment with JP Morgan Chase's risk appetite
• Conduct in-depth financial analysis, including cash flow modeling, ratio analysis, and scenario testing for corporate clients
• Mentor and develop a team of credit officers, providing guidance on best practices in risk assessment
• Collaborate with relationship managers, investment bankers, and other stakeholders to structure deals that mitigate credit risks
• Monitor ongoing credit portfolios, identifying early warning signs of deterioration and recommending remedial actions
• Ensure compliance with internal policies, regulatory standards, and external reporting requirements
• Contribute to the development of risk management strategies and policies for the Specialized Industries Risk group
• Perform due diligence on potential borrowers, including site visits and industry research
• Prepare credit memos and presentations for senior management and credit committees
• Stay abreast of industry trends, economic factors, and regulatory changes impacting credit risk

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field; advanced degree (MBA or Master's) preferred
• Minimum of 8-10 years of experience in credit risk management, commercial lending, or underwriting within the financial services industry
• Proven track record in leading credit analysis for specialized industries such as manufacturing, energy, or transportation
• Strong understanding of regulatory requirements including Basel III, Dodd-Frank, and OCC guidelines
• Experience with credit portfolio management and risk assessment tools in a large banking environment
• Ability to manage and mentor junior credit analysts and officers
• CFA, CPA, or similar professional certification

Preferred Qualifications

• Experience working at a major financial institution like JP Morgan Chase or similar
• Deep knowledge of syndicated lending and structured finance products
• Prior leadership role in a risk management team focused on middle-market or large corporate clients
• Familiarity with JP Morgan's internal risk rating systems and credit approval processes
• Advanced proficiency in data analytics for credit risk modeling

Required Skills

• Expertise in financial statement analysis and credit modeling
• Proficiency in Excel, Bloomberg, and credit risk software like Moody's Analytics
• Strong analytical and quantitative skills for risk assessment
• Excellent communication and presentation skills for stakeholder interactions
• Leadership and team management abilities
• Deep knowledge of commercial banking products and credit structures
• Regulatory compliance and risk management expertise
• Industry-specific knowledge in specialized sectors
• Problem-solving and decision-making under pressure
• Attention to detail in financial due diligence
• Project management skills for portfolio oversight
• Interpersonal skills for cross-functional collaboration
• Adaptability to evolving market and regulatory landscapes
• Data interpretation and forecasting abilities
• Ethical judgment in high-stakes financial decisions

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 other financial wellness benefits
• Wellness programs including gym memberships and mental health support
• Flexible work arrangements and hybrid work options in Atlanta, GA

JP Morgan Chase is an equal opportunity employer.