Lead Credit Officer - Asset Wealth Management - Senior Associate

JPMorgan Chase & Co.; Columbus (OH); On-site; USD 110,000 - 140,000; Full time

Job summary

JPMorgan Chase & Co. in Columbus, OH is seeking a Senior Associate Lead Credit Officer within Wealth Management's Credit Risk team.

You will evaluate risks, analyze complex client data, and provide independent credit risk assessments to support informed decisions. You will oversee consumer and business-purpose lending transactions secured by products governed by Credit Risk Policies and Guidelines, ensuring sound judgment and compliance.

Qualifications

• Bachelor's degree in business or finance required.
• 3 years of experience in commercial real estate lending or 5 years in other banking/finance.
• Thorough understanding of multifamily real estate valuations and cash flow analysis.
• Strong financial analysis skills including evaluating cash flows and property valuations.
• Ability to manage competing priorities in a high-volume, collaborative environment.
• Excellent verbal and written communication and problem-solving skills.
• Ability to prioritize, plan, and manage credit analysis tasks.
• Familiarity with regional commercial real estate markets and municipal regulations.
• Proficiency in Word, Excel, and PowerPoint; ability to adapt to proprietary systems.

Responsibilities

• Oversee credit analysis and risk evaluation for loans under Credit Risk Policies.
• Evaluate and manage risks in each transaction.
• Build and maintain relationships with internal stakeholders including sales, processing, closing, and legal.
• Apply policies, standards, procedures, and regulatory requirements to credit analysis activities.
• Use data analysis to interpret results and provide insights to management.
• Serve as a technical expert addressing inquiries and system-related issues in credit risk tools.
• Monitor industry trends and best practices to enhance decision-making.

Skills

Credit risk analysis

Financial analysis

Verbal and written communication

Prioritization and time management

Stakeholder collaboration

Regulatory awareness

MS Word/Excel/PowerPoint

Real estate valuations

Problem-solving

Education

Bachelor's degree in business or finance

Advanced degree

Tools

Microsoft Word

Microsoft Excel

PowerPoint

Job description

Lead Credit Officer - Asset Wealth Management - Senior Associate

Columbus, OH, United States

Job Information

• Job Identification 210803124
• Job Category Account Service
• Business Unit Asset & Wealth Management
• Posting Date 10/23/2026, 01:33 PM
• Locations 1111 Polaris Pkwy, Columbus, OH, 43240, US
• Job Schedule Full time
• Job Shift Day

Job Description

Wealth Management (WM) provides advice, strategies, and solutions to address the complex financial, lending, and wealth transfer needs of high net worth and ultra-high-net-worth clients. As part of Risk Management and Compliance, the WM Credit Risk team provides independent oversight of credit risk across a broad range of lending products and client transactions, supporting responsible business growth while adhering to the firm's risk appetite, policies, and regulatory standards.

As a Senior Associate Credit Approver in the WM Credit Risk team, you will evaluate and identify risks, analyze complex client and transaction data, and provide independent credit risk assessments to support management in making well-informed credit decisions. The role includes oversight of consumer and business-purpose lending transactions secured by products governed by Credit Risk Policies and Guidelines, ensuring consistent application of risk standards and sound credit judgment while partnering closely with bankers, underwriters, and risk professionals across Wealth Management.

Job Responsibilities:

• Oversee credit analysis and risk evaluation for loans secured by products governed by Credit Risk Policies and Guidelines
• Evaluate and manage risks in each transaction
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
• Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
• Apply data analysis techniques to interpret results and provide insights and recommendations to management
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge

Required qualifications, skills and capabilities:

• Bachelor's degree in a business or finance concentration
• 3 years of experience in commercial real estate lending or 5 years of other banking or finance experience
• Thorough understanding of multifamily real estate property valuations and cash flow analysis
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Excellent verbal and written communication and problem-solving skills
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed
• Familiarity with regional commercial real estate markets and municipal regulations
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Preferred qualifications, capabilities, and skills:

• Advanced degree in a related field
• Experience with proprietary credit risk management tools.
• Experience with large language model tools