Credit Ops Analyst I - Commercial Credit Card Lending

Do you have a passion for providing a best-in-class experience for customers and employees? JPMorganChase has an excellent opportunity for an individual with proven commercial underwriting abilities.

As a Credit Operations Analyst I in JPMorganChase, you will play a pivotal role in analyzing credit data and trends to enhance our credit operations.

Your work impacts the entire department, contributing to short-term objectives and decision-making.

Leveraging your broad knowledge of credit operations and advanced customer service skills, you will understand and respond to customer needs at all touchpoints.

Your computer literacy is crucial for effectively using technology to perform tasks and solve problems, while collaborating cross-functionally to drive organizational success.

Additionally, your strategic thinking will be key in using data to understand issues and opportunities, and in collaborating with the business on strategy development.

Job responsibilities



* Analyze credit data and trends, utilizing your advanced computer literacy skills to enhance decision-making processes within the credit operations department.


* Apply your proficiency in conflict management to identify and resolve potential conflicts arising from credit operations decisions.


* Utilize your advanced customer service skills to understand and respond to customer interactions and perceptions throughout their journey.


* Contribute to team building by fostering an inclusive environment and collaborating effectively with individuals from different departments and areas of expertise.


* Support the implementation of innovative solutions to improve credit operations, challenging the status quo and influencing change within the department.


* Perform spreading of business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations


* Execute and support recommendations when challenged and in negotiating counteroffers, where appropriate


* Perform underwriting commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager.


* Proficient in credit/lending transactions and analytical skill sufficient to enable independent judgement


* Complete commercial credit analysis to determine credit worthiness and adjusts credit limits accordingly.

Required qualifications, capabilities, and skills



* 2+ years of experience or equivalent expertise in analyzing credit data and trends to support decision-making processes.


* 3 years commercial credit lending experience


* Demonstrated proficiency in using computer technology to perform tasks, solve problems, and communicate effectively in a professional setting.


* Proven ability to manage conflicts within teams and arising from business decisions, with a focus on facilitating discussions and creating win-win...