Risk Management - Lead Credit Officer - Vice President

Location: Mc Lean, VA, 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 Risk Management team within the Middle Market Banking and Specialized Industries group, you will play a pivotal role in safeguarding the firm's portfolio while enabling sustainable growth for our clients. Based in McLean, VA, this position offers the opportunity to lead credit risk strategies for mid-sized businesses and specialized sectors, leveraging JP Morgan's vast resources and expertise in commercial banking. You will report to senior risk leadership and collaborate across lines of business to deliver high-impact credit decisions that align with our commitment to responsible finance. In this role, your primary focus will be on overseeing the end-to-end credit process, from initial underwriting to ongoing portfolio monitoring. You will analyze complex financial structures, assess industry-specific risks, and provide expert guidance to ensure all lending activities adhere to JP Morgan Chase's rigorous risk standards and regulatory frameworks. Leading a team of analysts, you will foster a culture of excellence in credit risk management, mentoring talent and driving process improvements. This position demands a blend of technical acumen and strategic insight, as you navigate economic cycles and emerging risks in sectors like healthcare, manufacturing, and energy, all while contributing to the firm's broader risk management objectives. Joining JP Morgan Chase means becoming part of a dynamic, inclusive organization that values diversity and professional growth. We offer unparalleled opportunities for career advancement, supported by world-class training and a collaborative environment. If you are a seasoned credit professional passionate about mitigating risks in the financial services landscape, this role will allow you to make a meaningful impact on our clients and the firm. Apply today to help shape the future of middle market banking at one of the world's most admired financial institutions.

Key Responsibilities

• Lead the credit underwriting and approval process for middle market and specialized industries clients, ensuring alignment with JP Morgan Chase's risk appetite
• Conduct in-depth credit analysis, including financial statement reviews, cash flow projections, and collateral assessments for complex deals
• Mentor and supervise a team of credit analysts, providing guidance on risk identification and mitigation strategies
• Collaborate with relationship managers, portfolio managers, and senior leadership to structure financing solutions that balance risk and growth opportunities
• Monitor ongoing credit portfolios, identifying early warning signs of deterioration and recommending remedial actions
• Participate in credit committees, presenting recommendations and defending credit decisions based on thorough risk assessments
• Ensure compliance with internal policies, Basel III regulations, and other financial industry standards
• Develop and implement risk management strategies tailored to specialized industries, such as real estate or technology sectors
• Contribute to the enhancement of credit risk models and tools used within JP Morgan Chase's Risk Management framework
• Build relationships with external stakeholders, including regulators and industry experts, to stay abreast of emerging risks

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• Minimum of 8-10 years of experience in credit risk management, preferably in middle market banking or specialized industries
• Proven track record as a lead credit officer or equivalent role in assessing and managing credit portfolios
• Strong understanding of commercial lending, underwriting standards, and regulatory requirements in the financial services industry
• Experience with credit analysis tools and financial modeling for middle market clients
• Ability to lead cross-functional teams and mentor junior analysts in risk assessment
• Active involvement in credit committees or decision-making processes at a senior level

Preferred Qualifications

• Advanced degree such as MBA or Master's in Finance
• Certification as a Credit Risk Professional (CRP) or equivalent
• Prior experience at a major financial institution like JP Morgan Chase in middle market or specialized industries lending
• Knowledge of industry-specific risks in sectors such as healthcare, energy, or manufacturing
• Familiarity with JP Morgan's internal risk management frameworks and compliance standards

Required Skills

• Advanced credit analysis and financial modeling
• Proficiency in Excel, Bloomberg, or similar financial software
• Deep knowledge of commercial banking regulations and compliance
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Leadership and team management expertise
• Risk assessment and mitigation techniques
• Industry-specific knowledge in middle market sectors
• Attention to detail in financial due diligence
• Strategic thinking for portfolio management
• Negotiation skills for credit structuring
• Adaptability to evolving market conditions
• Project management for credit processes
• Interpersonal skills for stakeholder collaboration
• Technical proficiency in data analytics tools like SQL or Python

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick leave, 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
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements, including hybrid options in McLean, VA

JP Morgan Chase is an equal opportunity employer.