Location: Columbus, OH, United States

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 Senior Credit Officer in Business Banking, you will be responsible for conducting due diligence conduct due diligence, review, underwrite and decision all credit requests where total client exposure is between $5MM - $10MM.  Additional duties include decisioning renewal requests, completing annual reviews of larger credit exposures and maintaining relationships with key functional partners (Sales, Operations, Legal, Compliance and Risk).  You will appropriately assess the risk in the portfolio, ensuring that divisional risk and underwriting team partners decision all credit transactions according to BB guidelines.  Senior Credit Officer will assess pending credit requests, escalating any heightened risks identified.  Senior Credit Officer works with Divisional Risk Manager(s), Portfolio Manager(s) and Managed Assets partners to ensure the portfolio and individual credits are managed properly and within BB guidelines.  As part of the management team, you will be expected to identify opportunities to improve controls and efficiencies as well as lead change through identified projects.

Job Responsibilities

• Provide a full risk assessment, complete due diligence and final decision for all credit requests where exposure lies $5MM < $10MM.  In addition, Sr. Credit Officers opine and provide decisioning on all relationships where exposure exceeds $10MM.  Work in concert with assigned Credit Officer.
• Implement the firms risk appetite across the various industries we serve and in all geographic locations covered. Ensure appropriate Risk Grading and Loss Given Default assignments to all credits.
• Effectively communicate as the key point of contact with the Divisional Risk Manager as well as market management levels to maintain a cohesive and productive partnership for their respective groups. 
• Ensure that appropriate credit analysis, due diligence, and review of documents for credit decisions in regard to new money and portfolio activities. Assume ownership of the portfolio quality, acting with a sense of urgency, doing whatever it takes to effectively get the job done. 
• Partner with other functions to put in place and consistently improve processes to drive efficiency and consistency, while maintaining credit quality of portfolio and risk strategies.
• Work closely with Divisional Risk, Portfolio Management and Managed Assets/Special Credits, supporting existing portfolio through effective internal communication.  Work together to solve client issues, review credit strategies as well as stay or exit decisions for compromised relationships.
• Work within Sr. Credit Officer group on strategic management projects, report to or present to sr. management.
• Travel to supported markets to meet potential and current clients as necessary. (10%)

Required qualifications, capabilities, and skills 

• Bachelors degree or higher
• Formal Credit Training from a well-recognized Financial Institution
• Demonstrated ability to influence decisions, work amongst a team of peers and/or senior management as well as manage time sensitive, complex initiatives
• 10+ years of underwriting and/or credit risk experience required
• Excellent risk assessment skills, including risk identification and measurement, mitigation strategy development, regulatory management, policy and procedure development
• Excellent interpersonal and communication skills, including ability to negotiate, compromise and demonstrate diplomacy in sensitive situations and to interact effectively with senior management
• Ability to build relationships with the Business and other LOB partners
• Excellent analytical and problem-solving skills
• Ability to prioritize and execute on multiple, simultaneous, complex priorities
• Strong understanding of Credit and Treasury Products as well as their inherent risks and available mitigants. s as well as their inherent risks and available mitigants.

Preferred qualifications, capabilities, and skills 

• Experience in a banking or financial services environment preferred.