Risk Management - Lead Credit Officer- Vice President

Location: Boston, MA, 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-focused solutions. As a Lead Credit Officer - Vice President in our Risk Management team, you will play a pivotal role in safeguarding the firm's interests while enabling sustainable growth for our commercial banking clients. Based in our Boston, MA office, this position involves leading credit risk oversight for diverse industries, including manufacturing, technology, and healthcare. You will leverage your expertise to evaluate creditworthiness, structure complex deals, and align with JP Morgan's commitment to responsible banking practices that prioritize both profitability and prudence. In this leadership role, you will manage a team of credit analysts, driving the development of robust risk strategies that mitigate potential losses and support strategic objectives. Your responsibilities will include performing detailed financial due diligence, modeling potential risks under various economic scenarios, and ensuring adherence to stringent regulatory frameworks such as those from the Federal Reserve and OCC. Collaborating closely with cross-functional teams, you will provide actionable insights to senior executives, influencing decisions on portfolio allocation and client engagements. This position offers the opportunity to contribute to JP Morgan's renowned risk culture, where innovation in credit tools and analytics is encouraged to stay ahead of market dynamics. We seek a strategic thinker with deep industry knowledge who thrives in a fast-paced environment. Joining JP Morgan Chase means becoming part of a world-class institution that invests in your professional growth through extensive training, mentorship, and exposure to high-impact projects. This role not only demands technical acumen but also the ability to foster strong relationships and champion ethical risk management. If you are passionate about shaping the future of commercial credit at a premier firm, we invite you to bring your expertise to our Boston team and help drive JP Morgan's continued success in the financial services landscape.

Key Responsibilities

• Lead the assessment and management of credit risk for a portfolio of commercial clients across various industries
• Develop and execute credit risk strategies to support business growth while maintaining financial stability
• Conduct in-depth credit analysis, including financial modeling, stress testing, and scenario analysis
• Collaborate with relationship managers, legal teams, and senior executives to structure credit facilities
• Monitor portfolio performance, identify emerging risks, and recommend mitigation actions
• Ensure compliance with internal policies, regulatory standards, and JP Morgan's risk appetite framework
• Mentor and guide junior team members in credit underwriting and risk practices
• Prepare reports and presentations for senior management on credit risk exposures and trends
• Participate in industry forums and contribute to JP Morgan's thought leadership in credit risk
• Drive continuous improvement in credit processes and tools to enhance efficiency and accuracy

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field
• Minimum of 7-10 years of experience in credit risk management within the financial services industry
• Proven track record in managing credit portfolios for commercial industries
• Strong understanding of regulatory requirements such as Basel III, Dodd-Frank, and OCC guidelines
• Experience in developing and implementing credit risk strategies
• Ability to analyze complex financial statements and credit data
• Professional certification such as CFA, CPA, or Credit Risk Certification (CRC)

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) from an accredited institution
• Prior experience at a major financial institution like JP Morgan Chase
• Knowledge of commercial real estate or specific industry sectors (e.g., manufacturing, technology)
• Familiarity with JP Morgan's internal risk management systems and tools
• Leadership experience in mentoring junior credit analysts

Required Skills

• Advanced financial modeling and Excel proficiency
• Credit analysis and underwriting expertise
• Risk assessment and stress testing methodologies
• Knowledge of commercial lending products and structures
• Regulatory compliance and reporting skills
• Data analytics using tools like SQL or Python
• Strong communication and presentation abilities
• Leadership and team management
• Problem-solving and decision-making under pressure
• Attention to detail and accuracy in financial reviews
• Industry knowledge in commercial sectors
• Project management for risk initiatives
• Stakeholder collaboration and negotiation
• Adaptability to evolving market conditions
• Ethical judgment in high-stakes financial decisions

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development programs, including tuition reimbursement and leadership training
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan locations
• Flexible work arrangements, including hybrid options in Boston, MA

JP Morgan Chase is an equal opportunity employer.