Risk Management - Business Banking Credit Officer - Associate

Bring your expertise to JPMorgan Chase.

As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient.

You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities.

Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class.

As a Credit Officer, you will have the opportunity to oversight, management and decisioning of new and existing extensions of credit and credit risk for the Business Banking line of business.

Responsibilities include analysis of credit opportunities, structuring transactions, negotiating and reviewing terms, identifying risks, conducting due diligence and exerting credit approval authority.

Job Responsibilities


* Analyze and decisions credit requests.


* Manages the end-to-end issuer/client credit relationship, including existing and new transactions.

May involve frequent issuer/client interaction and fulsome comprehension of the issuer/client, its industry and credit needs.


* Prepares quantitative and qualitative credit analysis while also responsible for Business Analysis, gathering requirements and writing business and technical stories for consumption by management.


* Provides input to the structure and terms of the relevant credit products extended to issuers/clients.


* Understands and runs complex models, challenging modelling outputs and understanding potential modelling weaknesses.


* Manages and analyzes large amounts of data and information pertaining to credit risk exposures.


* Identifies, analyzes and escalates credit risk issues to the respective business areas.


* Performs credit analysis of potential opportunities and existing credit relationships across the business spectrum.


* May partner with the Model Review Group to prepare model documentation, provide credible challenge, and obtain usage approvals.


* Provides input into deep dives on the Credit Risk portfolio and in support of Credit Risk decisions for various senior Risk forums.

Required qualifications, capabilities, and skills


* Minimum of bachelor's degree or equivalent experience.


* Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work.


* Minimum 3 years of experience as a relationship manager, credit analyst or similar position requiring business banking/commercial knowledge and credit judgment.


* Ability to formulate and articulate objective views based on professional analysis.


* Thorough knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues.


* Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.


* Works effe...