Risk Management -Lead Credit Officer-Vice President

Location: New York, NY, 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 delivering robust credit solutions for our Commercial Banking clients in specialized industries. Based in our New York office, you will lead collaborative efforts to assess credit risks, structure financing, and support business growth while upholding the highest standards of risk management. This position offers the opportunity to work with diverse teams across the firm, leveraging JP Morgan Chase's vast resources to drive impactful outcomes in a dynamic financial landscape. Your primary focus will be on leading credit underwriting processes for complex commercial portfolios, including sectors like real estate, energy, and healthcare. You will analyze financial statements, evaluate collateral, and develop risk mitigation strategies to ensure sound lending decisions. Collaborating with relationship managers and industry experts, you will provide strategic insights that align with client objectives and the firm's risk framework. Additionally, you will mentor a team of credit professionals, contribute to policy development, and ensure adherence to regulatory requirements such as those from the Federal Reserve and OCC, all while fostering a culture of excellence within JP Morgan Chase. This role demands a strategic thinker with deep expertise in credit risk, capable of navigating economic uncertainties and market volatilities. You will engage in high-level discussions with senior stakeholders, present to credit committees, and drive continuous improvement in our risk processes. Joining JP Morgan Chase means being part of a world-class institution committed to innovation, diversity, and professional growth, where your contributions will help shape the future of global finance.

Key Responsibilities

• Lead a team of credit officers in assessing and approving credit facilities for commercial and specialized industry clients, ensuring alignment with JP Morgan Chase's risk appetite
• Collaborate with relationship managers, industry specialists, and senior executives to develop tailored credit solutions that support client needs while mitigating risks
• Conduct in-depth credit analysis, including financial modeling, covenant monitoring, and scenario analysis for complex transactions
• Oversee portfolio performance, identifying emerging risks and recommending mitigation strategies to senior management
• Ensure compliance with internal policies, regulatory standards, and best practices in credit underwriting
• Mentor and develop junior team members, fostering a culture of excellence in risk management
• Participate in client meetings and due diligence processes to provide expert credit insights
• Contribute to the enhancement of credit risk frameworks and tools within JP Morgan Chase's Commercial Banking division
• Monitor market trends and economic indicators impacting specialized industries to inform credit decisions
• Prepare and present credit recommendations to credit committees and risk governance bodies

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, or a related field; advanced degree (MBA or Master's in Finance) preferred
• Minimum of 8-10 years of experience in credit risk management, commercial lending, or related roles within the financial services industry
• Proven track record in leading credit approval processes for commercial and specialized industries such as real estate, energy, or healthcare
• Strong understanding of regulatory requirements including Basel III, Dodd-Frank, and OCC guidelines
• Experience in portfolio management and credit analysis for large corporate clients
• Ability to collaborate across multidisciplinary teams in a fast-paced banking environment
• CFA, CPA, or similar professional certification

Preferred Qualifications

• Experience working at a major financial institution like JP Morgan Chase or similar
• Deep knowledge of specialized industries including infrastructure, technology, or manufacturing
• Prior leadership role in credit risk teams with direct reports
• Familiarity with advanced credit modeling tools and stress testing methodologies
• International exposure to cross-border lending and global risk frameworks

Required Skills

• Advanced credit analysis and financial modeling
• Risk assessment and portfolio management
• Regulatory compliance and knowledge of banking laws
• Leadership and team management
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Proficiency in financial software such as Moody's, Bloomberg, or Excel advanced functions
• Industry-specific knowledge in commercial sectors
• Stakeholder collaboration and relationship building
• Attention to detail and ethical decision-making
• Project management in high-pressure environments
• Quantitative analysis and stress testing
• Negotiation skills for credit structuring
• Adaptability to evolving market conditions
• Mentoring and coaching capabilities

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

JP Morgan Chase is an equal opportunity employer.