Credit Review Officer – Vice President

JPMorgan Chase & Co.; Jersey City (NJ); On-site; USD 150,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. in Jersey City seeks a Credit Review Officer – Vice President in Wholesale Credit Review to independently assess credit risk ratings and the effectiveness of credit management for commercial clients.

You will validate risk ratings, ensure compliance with internal policies and banking regulations, and contribute to a culture of prudent risk management across global teams and examiners.

Qualifications

• 7+ years of credit experience with high net worth clients and corporations.
• Strong analytical and report-writing skills.
• Effective verbal communication with peers, stakeholders, and bank examiners.
• Demonstrated planning, project leadership, and teamwork abilities.
• Proficiency in Microsoft Office applications.
• Bachelor’s degree or equivalent required.

Responsibilities

• Conduct periodic wholesale credit reviews and document findings.
• Develop independent risk assessments and identify concerns.
• Monitor portfolios and record observations with executives.
• Participate in portfolio reviews and provide recommendations.
• Serve as a resource on risk rating policy for officers and examiners.
• Collaborate with risk management to address risks identified.
• Stay informed on regulatory developments and impacts.
• Communicate regulatory impacts to policy adherence.
• Prepare concise analyses for internal and external review.

Skills

Credit risk analysis

Analytical writing

Verbal communication

Team leadership

Project management

Education

Bachelor's degree

Graduate degree (preferred)

Tools

Microsoft Office

Job description

Join our Wholesale Credit Review team and help shape the integrity of our credit risk management process. You’ll collaborate with talented colleagues, engage with global clients, and make a meaningful impact on the firm’s risk culture.

As a Credit Review Officer – Vice President in Wholesale Credit Review (WSCR), you independently assess credit risk ratings and the effectiveness of credit management for JPMorganChase’s Commercial & Investment Bank clients. You will validate risk ratings, ensure compliance with internal policies and banking regulations, and contribute to a culture of sound risk management. Your work supports the firm’s commitment to prudent credit practices and regulatory excellence.

Job Responsibilities

• Conduct periodic reviews of wholesale credit portfolios, analyzing client files and documenting findings in the workpaper database
• Develop independent assessments of risk ratings and identify potential risk or control concerns for reviewed clients
• Monitor assigned portfolios, recording observations in monitoring journals and maintaining regular contact with credit executives and bankers
• Participate in portfolio review and problem credit meetings, providing insights and recommendations
• Serve as a resource on risk rating policy and risk analysis for business and credit officers, and respond to inquiries from bank examiners
• Partner with credit risk management to communicate potential risks or control concerns identified during reviews
• Stay informed of regulatory developments and interpret their impact on WSCR portfolios
• Collaborate with internal stakeholders to support ongoing credit management and policy adherence
• Prepare concise, thorough written analyses subject to internal and external review

Required Qualifications, Capabilities, and Skills

• Minimum 7 years of credit experience analyzing high net worth clients and corporations in roles such as credit/loan review, corporate or private client lending, counterparty risk management, credit approval, workout, risk rating analysis, or regulatory supervision
• Strong analytical and report writing skills
• Effective verbal communication with peers, stakeholders, and bank examiners
• Demonstrated planning, project leadership, and teamwork abilities
• Proficiency in Microsoft Office applications
• Bachelor’s degree or equivalent required

Preferred Qualifications, Capabilities, and Skills

• Graduate degree in a relevant field
• Experience with derivative and traditional loan products used by wholesale clients
• Familiarity with regulatory agencies such as OCC, FRB, or RBI
• Ability to interpret and apply regulatory developments to credit portfolios
• Experience working with global client portfolios
• Strong relationship management skills with internal and external stakeholders
• Knowledge of credit risk metrics and exposure measurement