Help shape smart credit decisions for leading financial services companies
across the United States. In this role, your judgment will directly influence
how we structure exposures, manage risk, and support client growth. You’ll
partner closely with coverage banking, treasury services, and product teams on
complex transactions and ongoing portfolio stewardship. If you’re rigorous,
curious, and comfortable driving decisions with incomplete information, you’ll
thrive here. Join a team where strong risk management and strong client
partnership go hand in hand.
As a Credit Officer in the Commercial & Investment Bank Financial Institutions
Group – Streamlined Risk Team, you will lead credit risk management for a
portfolio of financial services clients across multiple subsectors. You’ll
assess risk, design and recommend credit structures, and drive credit approvals
in close partnership with coverage and product teams. You’ll also monitor
portfolio performance, keep risk ratings current and forward-looking, and
escalate emerging concerns early. This role offers broad exposure across
treasury management and trading-related products and pathways to expanded
underwriting responsibilities over time.
Job Responsibilities
Identify and evaluate key risk factors across assigned clients, products, and
industry subsectors.
Lead client due diligence meetings and synthesize findings into clear risk
views.
Engage with clients, bankers, and internal partners to build understanding of
business models, financials, and competitive dynamics.
Develop and recommend credit structures aligned to risk, including collateral
and key terms.
Prepare credit approval materials and present recommendations to the
appropriate approval level.
Ensure adherence to credit risk and related policies, including approval
authorities and documentation standards.
Negotiate collateral, covenants, and other terms in partnership with deal
teams.
Review and negotiate legal and trading documentation to confirm alignment
with approved credit terms.
Monitor portfolio clients continuously and maintain current, forward-looking
risk ratings.
Identify deteriorating credits early and drive proactive risk mitigation and
problem-credit management.
Deliver annual reviews and ad hoc portfolio reporting to senior management
and coordinate with Credit Services to keep systems data accurate.
Required qualifications, capabilities, and skills
Bachelor’s degree.
3 years of experience in credit risk, underwriting, portfolio management, or
a closely related risk role.
Demonstrated ability to analyze financial statements, liquidity, leverage,
and cash flow drivers.
Experience preparing credit approval write-ups and presenting recommendations
to senior stakeholders.
Proven ability to operate independently with minimal day-to-day direction.
Strong written and verbal communication skills, including the ability to
explain risk clearly and concisely.
Experience working in cross-functional deal teams and managing multiple
deadlines.
Strong relationship-management skills with internal partners and external
clients.
Ability to identify emerging risks and take proactive action on deteriorating
situations.
Commitment to a strong control environment and policy adherence.
Proficiency in Microsoft Excel, PowerPoint, and Microsoft Office tools.
Preferred qualifications, capabilities, and skills
Experience covering financial services subsectors such as insurance, asset
management, private equity, payments, exchanges, mortgage finance, or lender
finance.
Experience with treasury management and payment products (for example,
automated clearing house debits/credits, letters of credit, corporate cards,
intraday overdraft).
Familiarity with securities or over-the-counter derivatives exposures and
related credit risk considerations.
Experience negotiating collateral agreements and trading documentation.
Knowledge of bank credit policies and procedures.
Experience presenting portfolio reviews or risk themes to senior leadership.
Interest in progressing toward broader underwriting responsibilities over
time.
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
[https://careers.jpmorgan.com/us/en/how-we-hire/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.