Risk Management - Lead Credit Risk Manager - Vice President

Location: Dallas, TX, 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 Risk Manager - Vice President in our Asset Based Lending group within Commercial Banking, you will play a pivotal role in managing credit risk for a diverse portfolio of corporate clients. Based in our Dallas, TX office, this position offers the opportunity to leverage your expertise in a dynamic environment where you'll contribute to strategic decision-making that drives business growth while safeguarding the firm's assets. You will report to senior risk leadership and collaborate across functions to ensure robust credit oversight in a competitive financial landscape. Your primary focus will be on conducting in-depth credit assessments, monitoring portfolio health, and recommending risk mitigation strategies for asset-based lending facilities. This includes evaluating collateral such as inventory, accounts receivable, and equipment, while navigating complex deal structures and regulatory requirements. At JP Morgan Chase, you'll utilize cutting-edge tools and data analytics to identify risks early, support client relationships, and influence credit approvals that align with our commitment to responsible banking. This role demands a proactive approach to staying ahead of industry trends, such as evolving supply chain dynamics and economic shifts impacting commercial borrowers. We value professionals who thrive in collaborative, high-stakes settings and are passionate about risk management in the financial services sector. Joining JP Morgan Chase means becoming part of a world-class team dedicated to excellence, with opportunities for career advancement and impactful contributions to our global operations. If you have a strong foundation in credit risk and a drive to lead in asset-based lending, this Vice President-level position is an ideal fit to advance your career in one of the most prestigious institutions in finance.

Key Responsibilities

• Manage and oversee an assigned portfolio of commercial banking clients in asset-based lending, ensuring credit quality and risk mitigation
• Conduct thorough credit analysis, including review of financial statements, collateral valuations, and borrowing base certifications
• Develop and recommend credit strategies, structures, and risk ratings for new and existing deals
• Monitor portfolio performance, identify early warning signs of credit deterioration, and implement remedial actions
• Collaborate with relationship managers, legal teams, and senior executives to support client onboarding and deal execution
• Ensure compliance with internal JP Morgan Chase policies, regulatory guidelines, and industry best practices
• Prepare detailed risk reports and presentations for senior management and credit committees
• Mentor junior team members and contribute to the development of risk management frameworks
• Analyze market trends and economic factors impacting asset-based lending portfolios
• Support ad-hoc projects related to portfolio optimization and risk model enhancements

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, preferably in asset-based lending or commercial banking
• Proven track record of managing credit portfolios for large commercial clients
• Strong understanding of financial analysis, including balance sheet analysis and cash flow modeling
• Experience with regulatory compliance in credit risk, such as Basel III and Dodd-Frank requirements
• Ability to work in a fast-paced environment with high attention to detail
• Professional certification such as CFA, CPA, or Credit Risk Certification (CRC) preferred

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) with a focus on risk management
• Prior experience at a major financial institution like JP Morgan Chase in asset-based lending
• Familiarity with syndicated lending and collateral management systems
• Demonstrated leadership in cross-functional teams within commercial banking
• Knowledge of industry-specific risks in sectors like manufacturing, retail, or transportation

Required Skills

• Advanced financial modeling and Excel proficiency
• Credit analysis and underwriting expertise
• Risk assessment and portfolio management
• Knowledge of asset-based lending structures
• Regulatory compliance and reporting
• Strong analytical and problem-solving abilities
• Excellent communication and presentation skills
• Leadership and team collaboration
• Attention to detail and organizational skills
• Proficiency in risk management software (e.g., Moody's Analytics or similar)
• Understanding of economic and market analysis
• Negotiation and stakeholder management
• Time management in high-pressure environments
• Data interpretation and visualization tools (e.g., Tableau)
• Ethical decision-making in financial contexts

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 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 Chase facilities
• Flexible work arrangements, including hybrid options in Dallas, TX

JP Morgan Chase is an equal opportunity employer.