Credit Ops Analyst - Card Lending Services (Nightshift)

JPMorgan Chase & Co.; Metro Manila; On-site; PHP 600,000 - 800,000; Full time

Job summary

JPMorganChase is seeking a Credit Ops Analyst for Card Lending Services (Nightshift) in Taguig City, Philippines. You will underwrite new applications and corporate credit requests, focusing on credit quality and risk assessment, and collaborate with Business Bankers, Business Development, and Risk Policy.

The role requires a Bachelor’s degree in business, banking training, and strong analytical skills. Night shift in a fast-paced banking environment with opportunities to contribute to process

Qualifications

• Underwrite new applications and existing corporate liability credit requests.
• Spread business financial statements/tax returns, perform ratio analysis, and complete risk assessment.
• Provide written and verbal presentations of credit recommendations.

Responsibilities

• Spread financial statements and tax returns, perform ratio analysis and risk assessment.
• Support recommendations during negotiations and counteroffers as appropriate.
• Underwrite commercial credit requests for lines of moderate to large size with limited guidance.
• Demonstrate strong analytical and problem-solving skills.
• Communicate clearly with internal and external customers and with management at various levels.
• Collaborate effectively in a team environment.
• Adapt to changing volumes and areas of focus (new apps, portfolio reviews, collections).
• Identify and initiate process improvements.
• Apply accounting and finance knowledge in commercial banking contexts.

Skills

Credit underwriting

Financial statement analysis

Risk assessment

Written/verbal communication

Education

Bachelor's degree in business-related discipline

Corporate banking training program

Tools

Microsoft Office

Proprietary banking systems

Job description

Credit Ops Analyst - Card Lending Services (Nightshift)

• Job Identification 210762338
• Job Category Credit Operations
• Business Unit Consumer & Community Banking
• Posting Date 08/04/2026, 08:56 AM
• Locations 9th Avenue corner 38th Street, Uptown Bonifacio, Taguig City, National Cap Region, 1635, PH
• Job Schedule Full time

Job Description

Do you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.

As a Credit Ops Analyst in Card Lending Services, you will be underwriting new applications as well as existing corporate liability credit requests, with a strong focus on credit quality and risk assessment. You will work with commercial credit applications and build strong working relationships with internal partners such as Business Bankers, Business Development, and Risk Policy.

Job Responsibilities:

• Demonstrate the ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment, and make sound credit decisions and recommendations via written and verbal presentations
• Experienced in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
• Proficient in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager
• Exhibit strong analytical and problem-solving skills
• Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
• Collaborate effectively in a team environment
• Adopt the flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
• Investigate, recommend and initiate process improvements
• Possess accounting and finance knowledge, and commercial banking experience

Required qualifications, capabilities, and skills:

• Minimum one year commercial credit lending experience
• Computer skills specific to Microsoft products and proprietary systems
• Bachelor's degree in a business-related discipline
• Successful completion of a major corporate bank commercial training program or the equivalent corporate banking/corporate finance or accounting experience

Preferred qualifications, capabilities, and skills:

• Ability to multitask using a computer and simultaneously provide customer support
• Master's degree in a business-related discipline
• Comfortable in a fast-paced, consistently changing environment
• Previous experience working in a Financial and Call Center
• Have a passion for helping people by solving problems, presenting, and explaining solutions

All New Hires are required to complete and successfully pass the Panel Evaluation during training in order to obtain Lending Authority. The Panel Evaluation Process is a component of training that evaluates your ability to apply the learned JPMC Lending Philosophy. In addition to fulfilling all other expectations of the position, your continued employment with Chase will be contingent on successfully passing the panel evaluation.

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 ourFAQs for more information about requesting an accommodation.

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.