Do you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.
As a Credit Ops Analyst in Card Lending Services, you will underwriting new applications as well as existing corporate liability credit requests, with a strong focus on credit quality and risk assessment. You will work with commercial credit applications along with interfacing and building strong working relationships with internal partners such as Business Bankers, Business Development and Risk Policy is another important component of the role.
Job Responsibilities:
- Demonstrate the ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment, and make sound credit decisions and recommendations via written and verbal presentations
- Experienced in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
- Proficient in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager
- Exhibit strong analytical and problem-solving skills
- Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
- Collaborate effectively in a team environment
- Adopt the flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
- Investigate, recommend and initiate process improvements
- Possess accounting and finance knowledge, and commercial banking experience
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Required qualifications, capabilities, and skills:
- Minimum one year commercial credit lending experience
- Commercial credit card lending experience
- Computer skills specific to Microsoft products and proprietary systems
- Bachelor's degree in a business-related discipline (MBA a plus)
- Successful completion of a major corporate bank commercial training program or the equivalent corporate banking/corporate finance or accounting experience
Preferred qualifications, capabilities, and skills:
- Ability to multitask using a computer and simultaneously provide customer support
- Comfortable in a fast-paced, consistently changing environment
- Previous experience working in a Financial and Call Center
- Have a passion for helping people by solving problems, presenting, and explaining solutions
Work Schedule:
Candidates must be willing and able to work schedules during our operating hours, which may include evenings and weekends. Specific schedule information will be provided by the Recruiter.
Training:
At the start of your employment with us, you will be in training. This training is essential to your success so your attendance and punctuality during training is mandatory. In addition, we will evaluate your knowledge and performance during and after completion of training. Both your successful completion of training and our evaluation that you are ready to move into your role are requirements for your continued employment. Your schedule for training is as follows: Monday - Friday 6:30AM - 3:30PM
Panel Process:
All New Hires are required to complete and successfully pass the Panel Evaluation during training in order to obtain Lending Authority. The Panel Evaluation Process is a component of training that evaluates your ability to apply the learned JPMC Lending Philosophy. In addition to fulfilling all other expectations of the position, your continued employment with Chase will be contingent on successfully passing the panel evaluation.
ABOUT US
Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.
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.
Equal Opportunity Employer/Disability/Veterans
ABOUT THE TEAM
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.