Lead Credit Officer - Vice President

Are you looking for an exciting opportunity to join a dynamic and growing team in a fast paced and challenging area? This is a unique opportunity for you to work in our team to partner with the Business to provide a comprehensive view.

As a Credit Risk Vice President, in commercial banking risk team, you will play a pivotal leadership role within our GHHN Credit Risk team, overseeing a group of credit officers and credit analysts dedicated to the ongoing assessment and management of credit risk for our GHHN (Public Finance) clients. You will be responsible for driving periodic credit reviews, participating in new loan transactions, and ensuring the highest standards of underwriting and portfolio management

Job Responsibilities

• Effectively lead, mentor, and develop a team of credit officers and analysts, fostering a culture of excellence and continuous improvement.
• Consistently provide guidance and support in complex credit assessments and annual reviews, ensuring team members possess necessary skills and knowledge.
• Proactively oversee and participate in the evaluation of new loan transactions, ensuring thorough due diligence and robust risk analysis.
• Independently conduct credit analysis and deliver well-reasoned opinions on new and existing clients, focusing on accuracy and risk mitigation.
• Diligently monitor and manage the credit quality of the portfolio, identifying emerging risks and recommending mitigation strategies.
• Regularly ensure the effectiveness of credit management practices, including risk grading decisions and suitability of credit mitigation actions.
• Collaboratively engage with North America-based clients, credit officers, and directors to deliver best-in-class credit solutions.
• Strategically build and maintain strong relationships with internal and external stakeholders, acting as a trusted advisor on credit risk matters.
• Actively champion a work culture that encourages innovation, challenges the status quo, and strives for continuous improvement.
• Continuously identify opportunities to enhance credit risk processes, leveraging technology and best practices for greater efficiency.
• Rigorously ensure all credit risk activities comply with internal policies, regulatory requirements, and industry standards.

Required qualifications, capabilities, and skills

• Graduate degree
• Minimum 9 years experience in credit risk analysis - (preferably GHHN or public finance experience)
• Ability to lead a team and work independently as well as in a team environment
• Strong communication & interpersonal skills; ability to effectively present analysis and build positive relationships with global stakeholders
• In-depth understanding of GHHN financial statements, including ratio analysis, cash flow analysis, and accounting standards
• Excellent academic record, a strong grasp of public finance concepts and applications, close attention to detail, and accuracy
• Aptitude to learn and develop knowledge on credit analysis techniques, sectors and global economies
• Proficient in the use of MS Word, Excel and PowerPoint

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 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.

ABOUT THE TEAM

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.

Client-provided location(s): Bangalore, India

Job ID: JPMorgan-210668630

Employment Type: FULL_TIME

Posted: 2025-09-22T19:04:05