Lead Credit Officer, Asset-Based Lending — Risk & Growth

JPMorganChase; New York (NY); On-site; USD 140,000 - 190,000; Full time

Benefits offered by this job

Health care coverage

Retirement plan

Tuition reimbursement

Job summary

JPMorgan Chase is seeking a Lead Credit Officer in Asset Based Lending Credit Risk to manage a portfolio of ABL clients and oversee risk evaluation and structuring. You will coordinate with internal stakeholders and lead due diligence, financial modeling, and covenant compliance.

The role emphasizes delivering risk-adjusted capital solutions for corporate clients. The ideal candidate will bring 5+ years in credit risk, strong communication skills, and a solid background in banking products and

Qualifications

• 5+ years' experience in commercial banking, credit risk, and underwriting with Asset Based Lending financing knowledge.
• Strong understanding of capital markets, financing structures, derivatives and cash management.
• Excellent communication and presentation skills - both written and verbal.
• Ability to think critically and multitask in a fast-paced environment.
• Strong interpersonal and relationship development skills.
• Proficiency in Microsoft Excel, Word, PowerPoint and Outlook.
• Bachelor's degree.

Responsibilities

• Manage portfolio of ABL clients, monitor financial performance trends, borrowing base trends, and covenant compliance and lead credit relationship with client and internal stakeholders.
• Perform due diligence for loans, derivatives, leases, and cash management including: financial due diligence, financial modeling, field exam, appraisal, and legal diligence.
• Assign and assess internal ratings, risk assessment and risk mitigation. Recommend changes in structure or account management strategy to address negative trends.
• Interpret collateral appraisals and field exams. Ongoing monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues.
• Lead ABL credit structuring and legal document negotiations, as well as point person on amendments and waivers.
• Effectively challenge Banking Teams, partner with ABL Originations and Syndications, Debt Capital Markets, Treasury Services, Equipment Finance, Derivatives, and Loan Operations.
• Communicate with Senior Management, respond to regulatory requests, and maintain internal credit files.
• Train and mentor junior team members.

Skills

Credit risk

Portfolio mgmt

Underwriting

ABL financing

Communication

MS Office

Education

Bachelor's degree

Accounting or Finance

Tools

Microsoft Excel

PowerPoint

Word

Outlook

Job description

JPMorgan Chase is seeking a Lead Credit Officer in Asset Based Lending Credit Risk to manage a portfolio of ABL clients and oversee risk evaluation and structuring. You will coordinate with internal stakeholders and lead due diligence, financial modeling, and covenant compliance.

The role emphasizes delivering risk-adjusted capital solutions for corporate clients. The ideal candidate will bring 5+ years in credit risk, strong communication skills, and a solid background in banking products and