Risk Management - Dealer Commercial Services Lead Credit Officer - Vice President

Job Description

Bring your expertise to JPMorganChase. 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 Lead Credit Officer Vice President in Dealer Commercial Services, you will be responsible for analyzing commercial loans to prospects/existing customers, collaborating with banking partners, and structuring transactions that are consistent with our company's policies and procedures. You will take ownership of the credit process and possess the ability to multi-task, prioritize deal flow and meet delivery deadlines, while making decisions in the best interest of the customer and organization. You will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles. As a senior member of the team, you will also have responsibility to mentor and coach new / junior credit officers and analysts.

The Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 450+ franchised retail automobile dealers. We are searching for an experienced Lead Commercial Credit Officer to manage a portfolio of approximately $750 million in loan commitments representing our largest and most complex relationships.

Job Responsibilities:

• Prepare written credit reviews by utilizing excellent commercial credit skills to assess credit opportunities, identify key risks, and recommend appropriate structures to mitigate risks, including covenants, terms, and conditions for approval.
• Determine the capacity of operating entities to repay financial obligations by analyzing company-prepared or audited financial statements and conducting detailed cash flow analysis.
• Complete obligor and facility risk ratings, documenting the rationale for final risk grades.
• Proactively manage your portfolio by taking full ownership of responsibilities such as annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics.
• Mentor and train analysts who support your portfolio management activities.
• Provide leadership and mentorship to Credit Officer I by reviewing their work, developing their portfolio management and credit analysis skills, including them in portfolio communications and deal team discussions, and supporting their professional growth.
• Interact with clients, virtually or in person, in conjunction with the Banker.
• Lead or contribute to special projects related to credit topics and issues.
• Work proactively and constructively with both internal and external contacts to keep transactions moving.
• Demonstrate excellent communication skills both internally and externally, using those skills to effectively solve problems.

Required qualifications, capabilities, and skills:

• Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration
• 7+ years commercial credit analysis / automotive captive experience, with significant knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, franchise value analysis, loan structuring, and market
• Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan, real estate, and acquisition lending
• Superior analytical, interpersonal, analysis, and problem-solving skills supported by excellent written and verbal communication including presenting to executive-level management
• Demonstrated judgment and ability to act decisively
• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks

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.

When it comes to buying a vehicle or refinancing an existing car loan, many customers turn to Chase to help. Our auto lending services are constantly evolving and incorporating the latest technology to help match car buyers with dealers, provide competitive financing options and ease loan management.

Client-provided location(s): Columbus, OH, Tampa, FL, Chicago, IL, Plano, TX

Job ID: JPMorgan-210666296

Employment Type: FULL_TIME

Posted: 2025-09-13T19:02:54