Commercial Solutions Senior Credit Officer

JPMorgan Chase; Chicago (IL); On-site; USD 97,000 - 143,000; Full time

Job summary

JPMorgan Chase is seeking a Senior Commercial Credit Officer to manage a $500 million portfolio of dealer-related loans and work with bankers to structure transactions in line with policy. You will mentor junior staff, analyze financial statements, and deliver timely credit decisions.

The role requires a strong background in commercial credit analysis for franchised auto dealerships, plus leadership, communication, and collaboration across teams in Risk Management and Compliance.

Qualifications

• Bachelor's degree in Finance, Accounting, Business Administration, Economics, or equivalent work experience; MBA preferred.
• Minimum 3 years commercial credit analysis experience, with automotive/franchised dealership knowledge and cash flow analysis.
• Hands-on experience analyzing commercial loans to franchised auto dealerships, including floor plan, real estate, and acquisition lending.
• Superior analytical and problem-solving skills with strong written and verbal communication, including presenting to executives.
• Judgment and decisive decision-making capability.
• Expert knowledge of credit philosophy, policies, loan documentation, and related legal issues.
• Thorough knowledge of bank policies, products, and associated risks.

Responsibilities

• Prepare written credit reviews outlining opportunities, risks, and structures with covenants and conditions.
• Assess capacity of operating entities to repay obligations via financial statement and cash flow analysis.
• Compute obligor and facility risk ratings with rationale for final grades.
• Own portfolio management duties including annual reviews, loan modifications, covenant breaches, inventory audits, and trend analysis.
• Mentor and train analysts supporting portfolio management.
• Provide leadership to Credit Officer I, review work, and support growth.
• Interact with clients with bankers, virtually or in person.
• Lead or contribute to credit-related special projects.
• Work constructively with internal/external contacts to move transactions forward.
• Communicate clearly to solve problems and align on credits.

Skills

Commercial credit analysis

Automotive captive credit

Cash flow analysis

Financial statement analysis

Loan structuring

Franchise value analysis

Analytical skills

Communication skills

Judgment and decisiveness

Credit policy knowledge

Bank policies and risk

Education

Bachelor's degree or MBA in Finance/Business

Job description

Commercial Solutions Senior Credit Officer

Columbus, OH, United States

and 2 more

Job Information

• Job Identification 210790780

• Job Category Credit Risk

• Business Unit Consumer & Community Banking

• Posting Date 09/30/2026, 12:59 PM

• Locations 1111 Polaris Pkwy, Columbus, OH, 43240, US4915 Independence Pkwy, Tampa, FL, 33634, US10 S Dearborn St, Chicago, IL, 60603, US

• Job Schedule Full time

• Job Shift Day

• Base Pay/Salary Chicago,IL $96,805.00-$143,000.00

Job Description

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 Senior Commercial Credit Officer within Commercial Solutions, you will play a key role in managing a portfolio of approximately $500 million in loan commitments for retail automobile dealer relationships. You will have the opportunity to analyze commercial loan requests, collaborate closely with banking partners, and structure transactions that align with our company’s policies and procedures. In this role, you will use your expertise to make thoughtful credit decisions, balance multiple priorities, and ensure timely delivery for our clients. You will also help foster the growth of our team by mentoring and coaching new and junior credit officers and analysts, contributing to a collaborative and supportive environment.

Job responsibilities

• Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval

• Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis

• Completing obligor and facility risk ratings with documented rationale for the final risk grades

• Proactive, full ownership of your portfolio management responsibilities including annual reviews, loan modifications, covenant breaches inventory audits, overline management, and analyzing trends in key dealer metrics

• Mentoring and training of analysts who support your portfolio management activities

• Provides 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 support their professional growth.

• Interacting with clients, virtually or in person, in conjunction with the Banker

• Leading/contributing to special projects related to credit topics and issues

• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.

• Demonstrating excellent communication skills both internally and externally and using those communication 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

• Minimum 3 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

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 (https://careers.jpmorgan.com/us/en/how-we-hire/faqs) for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

About the Team

Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success.

Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.