Business Banking Lead Credit Officer, Vice President

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 bond–related 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:

• Bachelor’s 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 bond–related 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.