Risk Management - Lead Credit Officer- Vice President

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 Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk, you will collaborate with a cross-functional team to deliver credit solutions that support companies' financing needs, including working capital, general corporate purposes, acquisition finance, and dividend recapitalizations. You will work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation.

Job Responsibilities

• Utilize excellent credit analysis and financial modeling skills to perform due diligence and underwrite and structure new transactions while maintaining an appropriate balance between risk and reward
• Lead complex and time-sensitive leveraged finance transactions and LBOs, including the negotiation of legal documentation for bilateral, pro-rata, broadly syndicated, and direct lending structures
• Manage the assigned credit portfolio on an ongoing basis while ensuring data integrity
• Assess and process risk rating changes in a timely manner
• Use critical reasoning to develop well-considered credit views, taking into account company-specific and industry risks
• Communicate and defend credit views to internal stakeholders and senior leadership
• Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines, driving deals to closure
• Work with internal and external stakeholders in a proactive, constructive, and responsive manner to effectively manage and execute transactions
• Partner effectively with coverage bankers and product specialists to develop comprehensive client relationships
• Convey a thorough understanding of credit policy and procedures and demonstrate excellent communication skills
• Contribute to the broader objectives of the Risk organization, including developing junior talent and participating in various projects and efficiency exercises

Required Qualifications, Capabilities, and Skills

• BA/BS/BBA degree is required
• Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures
• Minimum 7 years' experience in middle market and mid-corporate lending, including extensive credit analysis, structuring of leveraged finance transactions, and negotiation of loan documentation
• Experience working with portfolio companies of private equity firms
• Significant accounting and finance knowledge with superior financial modeling skills
• Strong working knowledge of credit agreements and other loan documentation, along with solid negotiation skills
• Demonstrated ability to problem-solve and think both critically and analytically and proven ability to collaborate and build strong partnerships
• Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines
• Intellectual curiosity with a proven ability to learn quickly
• Demonstrated ability to take initiative, self-direct, and work well under pressure and have excellent verbal, interpersonal, and written communication skills
• Proficient with Microsoft Office, including 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 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): Boston, MA

Job ID: JPMorgan-210656333

Employment Type: FULL_TIME

Posted: 2025-08-14T19:08:27