Risk Management - Lead Credit Officer-Vice President

Location: Milwaukee, WI, United States

Job Family: Credit Risk

About the Role

At JP Morgan Chase, a leading global financial services firm, the Lead Credit Officer - Vice President role in Risk Management is pivotal in driving credit solutions for a diverse portfolio of clients, from mid-market companies to large corporations. Based in Milwaukee, WI, this position within the Commercial Banking division involves leading complex transactions, including syndicated loans and structured financing, while ensuring robust risk mitigation strategies. As a key player in our Credit Risk team, you will shape the firm's approach to credit underwriting, leveraging JP Morgan's extensive resources to support client growth and navigate market volatilities. This role demands a strategic mindset to balance business opportunities with prudent risk controls, contributing to the overall health of our $2.5 trillion asset portfolio. In this leadership position, you will oversee end-to-end credit processes, from initial client engagement to portfolio monitoring, collaborating closely with relationship managers and senior executives. Responsibilities include performing in-depth financial analyses, stress testing scenarios, and recommending innovative credit structures that align with JP Morgan's commitment to responsible banking. You will also play a mentorship role, guiding a team of credit professionals and influencing policy development to adapt to regulatory changes and industry trends. This is an opportunity to make a tangible impact on high-profile deals that power economic progress for clients across the United States. JP Morgan Chase values innovation and integrity in risk management, offering a dynamic environment where your expertise can thrive. Join us to advance your career in a firm renowned for its leadership in financial services, with access to cutting-edge tools and a global network. This Vice President-level role is ideal for seasoned professionals passionate about credit risk and eager to contribute to our mission of enabling client success while safeguarding the institution.

Key Responsibilities

• Lead the underwriting and approval of complex credit facilities for corporate and commercial clients across various industries
• Develop and implement credit risk strategies to support business growth while maintaining portfolio quality
• Conduct thorough due diligence, financial analysis, and risk assessments for high-value transactions
• Collaborate with cross-functional teams including relationship managers, legal, and compliance to structure deals
• Monitor ongoing credit exposures, identify early warning signs, and recommend remedial actions
• Mentor and guide junior credit officers, fostering a culture of risk awareness and excellence
• Contribute to the enhancement of credit policies and risk models in alignment with JP Morgan's global standards
• Engage with clients to provide tailored credit solutions and advisory services on risk management
• Prepare and present credit recommendations to senior management and credit committees

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 7-10 years of experience in credit risk management, underwriting, or commercial lending within the financial services industry
• Proven track record in leading complex credit transactions and portfolio management for diverse client segments
• Strong understanding of regulatory requirements including Basel III, Dodd-Frank, and other credit risk frameworks
• Experience in risk assessment and mitigation strategies for corporate and commercial banking clients
• Ability to analyze financial statements, cash flows, and industry trends to evaluate creditworthiness

Preferred Qualifications

• Advanced degree such as MBA or Master's in Finance
• Certification as a Credit Risk Professional (CRP) or Chartered Financial Analyst (CFA)
• Prior experience at a global financial institution like JP Morgan Chase
• Knowledge of syndicated lending and structured finance products

Required Skills

• Advanced financial modeling and analytical skills
• Proficiency in credit analysis tools and software (e.g., Moody's Analytics, Excel advanced functions)
• Deep knowledge of commercial banking products and credit structures
• Strong regulatory compliance and risk management expertise
• Excellent communication and presentation skills for client and stakeholder interactions
• Leadership and team management abilities
• Problem-solving and decision-making under pressure
• Attention to detail in financial statement review
• Industry knowledge in sectors like manufacturing, real estate, and technology
• Project management for transaction execution
• Negotiation skills for deal structuring
• Adaptability to evolving market conditions
• Data interpretation from economic reports and forecasts

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 and tuition reimbursement for advanced education
• Employee stock purchase plan and access to financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase locations
• Flexible work arrangements and hybrid work options where applicable

JP Morgan Chase is an equal opportunity employer.