Business Banking Lead Credit Officer, Vice President
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Job Location:
Columbus, NE - USA
Monthly Salary:
Not Disclosed
Posted on:
13 hours ago
Vacancies:
1 Vacancy
Job Summary
Job Description
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 Lead Credit Officer Vice President within Business Banking Risk you will be responsible for the oversight management and credit decisioning of new and existing extensions of credit 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 applying credit authority.
Job Responsibilities:
- Analyze and decision Business Banking credit requests with independent approval authority escalating when exposure exceeds limits.
- Structure transactions with appropriate terms covenants collateral and mitigants aligned to risk appetite.
- Review and underwrite requests in Government (including municipal bondrelated exposures) and Not-for-Profit segments nationwide.
- Evaluate financial trends sector dynamics and borrower-specific risks that impact repayment capacity; identify and document mitigants.
- Conduct due diligence including financial statement analysis ratio and trend assessment and qualitative management and sector review.
- Negotiate and review terms and conditions to align with underwriting conclusions and policy requirements.
- Determine and validate risk grades using loan grading tools; ensure facilities are properly graded and documented.
- Prepare clear thorough decision rationales and credit memoranda in proprietary systems with audit-ready documentation.
- Identify analyze and escalate emerging credit risk issues to the appropriate business and risk stakeholders.
- Partner with Relationship Managers and Credit Risk Center colleagues to drive consistent process execution and regulatory adherence.
- Serve as a resource to less experienced Credit Officers contributing to knowledge sharing and best-practice adoption.
Required Qualifications Capabilities and Skills:
- Bachelors degree or equivalent experience required.
- Completion of advanced finance accounting and credit coursework (bank-sponsored credit training or academic equivalent).
- 3 years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking.
- Demonstrated ability to formulate and articulate objective evidence-based credit views.
- Thorough knowledge of credit philosophy and policies including risk grading standards and portfolio risk concepts.
- Proficiency with loan documentation fundamentals and awareness of bankruptcy and related legal issues.
- Strong analytical problem-solving and financial analysis skills including ratio analysis and cash flow assessment.
- Effective verbal and written communication skills with the ability to negotiate terms and present credit conclusions.
- Experience operating in a fast-paced centralized credit environment with strong time management and SLA discipline.
- Facility with loan grading tools and proprietary credit systems for decisioning and documentation.
- Team-oriented mindset with the ability to assume individual accountability and manage a diverse workload.
Preferred Qualifications Capabilities and Skills
- Business Banking/Commercial portfolio management experience including monitoring and risk rating maintenance.
- 2 years of risk analysis experience in Government (municipal bondrelated exposures) and/or Not-for-Profit segments.
- Graduate degree in business finance accounting or related field.
- Experience negotiating complex structures covenants and collateral packages tailored to borrower risk profiles.
- Familiarity with municipal credit distinctions (e.g. general obligation vs. revenue-backed) and related legal/security features.
- Track record of identifying early warning signals recommending remediation plans and executing regrades as needed.
- Experience mentoring or coaching junior credit professionals in underwriting best practices.
Required Experience:
Exec
Key Skills
- Change Management
- Financial Services
- Growing Experience
- Managed Care
- Management Experience
- Analysis Skills
- Senior Leadership
- Performance Management
- Process Management
- Leadership Experience
- negotiation
- Analytics
About Company
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans ov ... View more
