Risk Management - Credit Officer (Asset Based Lending) Vice President

JPMorgan Chase & Co.; Atlanta (GA); On-site; USD 150,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. in Atlanta, GA, is seeking a Risk Management - Credit Officer (Asset Based Lending) Vice President to lead a high-impact ABL credit portfolio and drive risk governance within the Commercial & Investment Bank.

The role emphasizes credit structuring, client relationships, and rigorous due diligence across loans and collateral. You will partner with internal teams to monitor performance, assess risk, and negotiate complex credit terms while mentoring junior staff and ensuring

Qualifications

• Minimum 5 years' experience in commercial banking, credit risk, portfolio management with Asset Based Lending financing knowledge.
• Strong understanding of capital markets, financing structures, derivatives and cash management products.
• 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.

Responsibilities

• Manage portfolio of ABL clients, monitor financial performance trends and covenant compliance.
• Lead credit relationship with client and internal stakeholders.
• Perform due diligence for loans, derivatives, leases, and cash management processes.
• Assign and assess internal ratings, risk mitigation strategies and account structure changes.
• Interpret collateral appraisals and monitor liquidity and reserves.
• Lead ABL credit structuring and negotiate legal documents; coordinate amendments and waivers.
• Collaborate with Banking Teams, Originations, Syndications, DCM, Treasury, Equipment Finance, Derivatives, and Loan Ops.
• Communicate with Senior Management and respond to regulatory requests; maintain credit files.
• Train and mentor junior team members.

Job description

Risk Management - Credit Officer (Asset Based Lending) Vice President

Atlanta, GA, United States

Job Information

• Job Identification 210799294


• Job Category Credit Risk


• Business Unit Commercial & Investment Bank


• Posting Date 10/12/2026, 03:15 PM


• Job Schedule Full time

Job Description

Bring your expertise to JPMorganChase. 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 Lead Credit Officer in Asset Based Lending Credit Risk, you will be part of the firm’s risk governance framework and a critical member of the risk management team. The Asset Based Lending team primarily provides working capital revolving lines of credit and fixed asset loans to corporate clients. Credit Officers on the Investment Bank Asset Based Lending team manage a portfolio of accounts and underwrite new business transactions.

Job 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

Required qualifications, capabilities, and skills

• Minimum 5years' experience in commercial banking, credit risk, portfolio management and underwriting with Asset Based Lending financing knowledge


• Strong understanding of capital markets, financing structures, derivatives and cash management products as well as related documentation


• 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

Preferred qualifications, capabilities, and skills

The following additional items will be considered but are not required for this role

• Bachelor's degree in Accounting or Finance preferred

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 for more information about requesting an accommodation.

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

About the Team

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.