Risk Management - Lead Credit Officer - Vice President (Merchant Services)
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, you will manage a team of Credit Officers responsible for the oversight, management and approval of existing extensions of credit and credit risk for Merchant Services. Responsibilities include analysis of credit, identifying risks, conducting due diligence, exerting credit approval authority, monitoring performance of counterparties and performing reviews of credit risk limits. This role also includes conducting reviews of credit risk limits and focusing on process improvement projects. You may also oversee one or more programs, projects or initiatives from conception to execution.
As a Lead Credit Officer - Vice President within the Merchant Services Risk Management team will manage a team of Credit Officers and be responsible for the oversight, management and approval of existing extensions of credit and credit risk for Merchant Services. In this role, you will also focus on process improvement projects and potentially oversee programs, projects or initiatives from conception to execution.
Job responsibilities
- Manage a team of credit officers providing guidance and thought leadership with meaningful and defined accountability.
- Perform credit assessments and reviews up to a designated approval authority limit and recognizes possible risks that an issuer/ client`s business may pose to the organization while providing recommendations and escalations to mitigate such risks.
- Set the team’s priorities, directs activities, monitors progress and drives for results.
- Monitor exception reporting for significant issues and works with appropriate stakeholders to understand issues, approve resolution plans and escalate potential problems to senior management.
- Perform collateral valuation and analysis, evaluation of accounting system controls and data integrity and managerial control reviews, elevating significant findings and areas of concerns.
- Partner effectively with stakeholders and display strategic thought leadership and accountability for results.
- Manage risk & controls, provide trend analysis, engage with senior leaders and drive process improvements.
- Create and maintain robust policies, procedures, standards, and job aids in line with document governance practices.
- Execute the department’s strategic vision and agenda and works with stakeholders across functions to deliver on initiatives.
- Identify opportunities to enhance Risk processes and participates in projects and solutions.
Required qualifications, capabilities and skills
- Bachelor’s degree in Business, Finance or related field
- 6+ years of professional experience in Wholesale Credit Risk
- 3+ years of management experience within financial services
- Strong analytical skills with proven ability to analyze credit structures, identify and mitigate credit risks and make informed decisions
- Attention to detail and ability to learn complex processes that affect various functions and business units within Credit Risk Management
- Ability to identify problems and propose solutions
- Thinks strategically and creatively when faced with problems and opportunities
- Demonstrates leadership skills including willingness to own initiatives and drive projects to completion
- Strong sense of accountability with ability to operate independently with confidence, to interact credibly with business stakeholders and to build strong partnerships across a global organization
- Highly organized, self-motivated and hard working with exceptional communication skills, both written and verbal
- Self-starter with a collaborative mindset to foster teamwork
Preferred Qualifications, Capabilities and Skills
- Masters degree
- Excellent communication skills, both verbal and written
- Strong influencing skills to engage business leaders in a meaningful and actionable manner
- Strong technical skills including Excel and PowerPoint
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