Credit Risk Strategist for Financial Institutions

Fairygodboss; Chicago (IL); On-site; USD 120,000 - 160,000; Full time

Job summary

JPMorganChase is seeking a Credit Officer within the Commercial & Investment Bank Financial Institutions Group to lead credit risk management for a diverse client portfolio. You will design credit structures, monitor risk ratings, and coordinate with coverage and product teams on complex transactions.

The role emphasizes rigorous risk assessment, clear communication with senior stakeholders, and ongoing stewardship across treasury management and trading-related products.

Qualifications

• Bachelor's degree.
• 3 years of experience in credit risk, underwriting, portfolio management, or a closely related risk role.
• Ability to analyze financial statements, liquidity, leverage, and cash flow drivers.
• Experience preparing credit approval write-ups and presenting to senior stakeholders.
• Operate independently with minimal day-to-day direction.
• Strong written and verbal communication skills.
• Experience in cross-functional deal teams and meeting deadlines.
• Strong relationship-management skills with internal partners and clients.
• Ability to identify emerging risks and take proactive action.
• Commitment to a strong control environment and policy adherence.
• Proficiency in Microsoft Excel, PowerPoint, and Office tools.

Responsibilities

• Identify and evaluate key risk factors across assigned clients, products, and industry subsectors.
• Lead client due diligence meetings and synthesize findings into risk views.
• Engage with clients, bankers, and internal partners to understand business models and financials.
• Develop and recommend credit structures aligned to risk, including collateral and terms.
• Prepare credit approval materials and present recommendations to the appropriate approval level.
• Ensure adherence to credit risk policies, including documentation standards.
• Negotiate collateral, covenants, and other terms with deal teams.
• Review and negotiate legal and trading documentation for alignment with terms.
• Monitor portfolio clients and maintain current, forward-looking risk ratings.
• Identify deteriorating credits early and drive proactive risk mitigation.
• Deliver annual reviews and portfolio reporting to senior management and coordinate with Credit Services.

Skills

Financial analysis

Risk assessment

Credit approvals

Stakeholder communication

Independent work

Cross-functional collaboration

Education

Bachelor's degree

Tools

Microsoft Excel

PowerPoint

Microsoft Office

Job description

JPMorganChase is seeking a Credit Officer within the Commercial & Investment Bank Financial Institutions Group to lead credit risk management for a diverse client portfolio. You will design credit structures, monitor risk ratings, and coordinate with coverage and product teams on complex transactions.

The role emphasizes rigorous risk assessment, clear communication with senior stakeholders, and ongoing stewardship across treasury management and trading-related products.