Risk Management - Credit Senior Officer

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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.

As a Credit Officer in our Commercial Banking team, you use your credit training and experience to assess the creditworthiness of customers and facilitate portfolio growth while mitigating risk. You work with us to structure transactions, analyze relationships, and recommend solutions that protect the bank. Together, we build strong partnerships and contribute to the resilience of our organization. You have the opportunity to make a meaningful impact and advance your career in a collaborative environment.

Job Responsibilities

• Structure transactions while balancing risk and reward
• Author concise and thoughtful credit analysis for customer relationships
• Identify key risks and recommend appropriate credit structures
• Work proactively with internal and external contacts to move transactions forward efficiently
• Lead complex transactions, including syndications and multi-level capital structures
• Evaluate smaller relationships and recommend simple structures to protect the bank
• Collaborate with team members to support portfolio growth
• Communicate credit decisions clearly and effectively
• Maintain accurate credit documentation and reporting
• Contribute to process improvements and best practices
• Demonstrate strong problem-solving and organizational skills

Required Qualifications, Capabilities, and Skills

• Bachelor's degree or advanced degree with a business focus
• Completion of a major corporate or commercial bank credit training program and three years of commercial banking experience, or
• Minimum five years of experience in commercial banking or lending, including credit, structuring, or marketing
• Significant accounting and finance knowledge
• Strong verbal, written, and interpersonal skills
• Strong analytical and problem-solving abilities

Preferred Qualifications, Capabilities, and Skills

• Experience leading complex transactions such as syndications
• Familiarity with multi-level capital structures
• Track record of contributing to process improvements
• Ability to work efficiently with diverse internal and external contacts
• Experience authoring credit analysis for a variety of client relationships
• Proven ability to balance risk and reward in transaction structuring
• Leadership experience within a credit or banking team

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

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): Houston, TX

Job ID: JPMorgan-210698147

Employment Type: FULL_TIME

Posted: 2026-01-13T19:16:41