Risk Management - Credit Officer Lead - Vice President

About the job

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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 on the Commercial and Investment Bank Credit Risk team, you will apply your analytical abilities and credit industry knowledge to make informed credit decisions for a client portfolio within the Diversified Industries sector. You partner with the business line to fulfill client credit requests while maintaining a balance between risk and return for the firm. You develop forward-looking risk assessments, recommend appropriate credit structures, and proactively manage portfolio quality while leading a team of credit professionals. You help us anticipate emerging risks and deliver sound, defensible credit judgment.

Job responsibilities:

• Identify key risk factors across clients, transactions, and industry sub-sectors and develop forward-looking risk assessments of companies, transactions, competitive threats, and industry dynamics
• Lead or participate in client due diligence through client, bank, and other meetings, using financial models to assess the impact of risk on key value drivers and recommend appropriate credit structures
• Apply corporate finance and accounting expertise to develop financing structures and prepare and review credit approval materials in line with policy
• Review and negotiate legal documentation, including credit agreements and ISDAs, to ensure terms align with credit approval
• Assess client creditworthiness and assign appropriate credit ratings
• Maintain accurate, current risk ratings and proactively identify and manage deteriorating credits and problem situations
• Prepare and present quarterly financial snapshots of the Diversified Industries portfolio and annual portfolio review materials to senior management
• Support training and development of analysts and partner with middle office and data teams to ensure credit system data accuracy
• Manage a team of six to eight associates or senior associates

Required qualifications, capabilities, and skills:

• Bachelor’s degree
• 7 plus years of commercial or investment banking lending experience, including extensive credit analysis, structuring, and marketing
• Solid understanding of financial products, corporate finance, financial modeling, and market dynamics
• Advanced knowledge of financial statements and accounting
• Experience with credit agreement documentation
• High proficiency in Excel, PowerPoint, and Word
• Knowledge of derivative products and documentation, including ISDA and Credit Support Annex (CSA)
• Excellent written and verbal communication skills
• Ability to present analysis effectively and interact with key stakeholders
• Ability to perform client due diligence and support negotiation
• Management experience, including leading and developing team members

Preferred qualifications, capabilities, and skills:

• Master of Business Administration

Role subject to Section 19 of the Federal Deposit Insurance Act, with offer contingent on review of criminal conviction history

About Us

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 over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Additional Information

• Job Identification: 210803244
• Job Category: Credit Risk
• Posting Date: 2026-10-26
• Job Schedule: Full time
• Locations: 8181 Communications Pkwy Ste C, Plano, TX, 75024, US ()