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Business Banking Lead Credit Officer, Vice President

JPMorganChase Columbus, OH

1mo ago

Full time Banking Business Business Banking

Banking Business Business Banking

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Job Description

Role Overview

Join JPMorgan Chase within Risk Management and Compliance, where you play a central role in maintaining the firm’s strength and resilience. You enable responsible business growth by anticipating new and evolving risks and applying expert judgement to address real-world challenges affecting the company, its clients, and the communities we serve. Our Risk Management and Compliance culture emphasizes innovative thinking, challenging the status quo, and delivering best-in-class results.

Key Responsibilities

Assess and render decisions on Business Banking credit requests within independent approval authority, escalating when exposures exceed established limits.
Structure transactions with appropriate terms, covenants, collateral, and risk mitigants aligned to our risk appetite.
Review and underwrite requests in Government (including municipal bond exposures) and Not-for-Profit segments nationwide.
Evaluate financial trends, sector dynamics, and borrower-specific risks that impact repayment capacity; document mitigants.
Perform 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.
Collaborate 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 professional experience is required.
Completion of advanced coursework in finance, accounting, and credit (bank-sponsored training or equivalent academic study).
At least three years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking.
Proven 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.
Excellent 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 solid time management and SLA discipline.
Familiarity with loan grading tools and proprietary credit systems for decisioning and documentation.
Team-oriented mindset with the ability to take accountability and manage a diverse workload.

Preferred Qualifications, Capabilities, and Skills

Business Banking/Commercial portfolio management experience, including monitoring and risk rating maintenance.
Two or more years of risk analysis experience in Government (municipal bond–related exposures) and/or Not-for-Profit segments.
Graduate degree in business, finance, accounting, or a related field.
Experience negotiating complex structures, covenants, and collateral packages tailored to borrower risk profiles.
Familiarity with municipal credit.

Location

1111 Polaris Parkway, Columbus, OH 43240

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