SBA Credit Risk VP, Business Banking Leader

Next Frontier Capital; Houston (TX); On-site; USD 150,000 - 230,000; Full time

Job summary

JPMorgan Chase is seeking a Lead Credit Officer Vice President in Business Banking Risk to lead credit oversight and end-to-end decisioning for new and existing credit extensions. You will translate portfolio data into insights and collaborate across teams to strengthen credit strategy and governance.

The role requires validating complex credit opportunities, due diligence, financial analysis, structuring, and negotiation, with a focus on risk mitigation and senior-level communication.

Qualifications

• Bachelor's degree or equivalent experience.
• Completion of advanced courses in finance, accounting, and credit.
• 8+ years' experience in business banking/commercial knowledge and credit judgement.
• Ability to articulate objective views based on professional analysis.
• Strong knowledge of credit policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Demonstrated PC aptitude.
• Works effectively in a team environment, while assuming individual responsibility.

Responsibilities

• Analyzes and decisions credit requests.
• Prepares, reviews and challenges quantitative and qualitative credit analysis while also responsible for Business Analysis, gathering requirements and writing business and technical stories for consumption by management.
• Applies broad knowledge of key collection strategies to perform analysis and present findings to senior management for decision making.
• Provides input and guidance to the structure and terms of the relevant credit products extended to issuers/clients.
• Manages and analyzes large amounts of data and information pertaining to credit risk exposures.
• Identifies, analyzes and escalates credit risk issues to the respective business areas.
• Performs in-depth credit analysis of potential opportunities and existing credit relationships across the business spectrum.
• May collaborate with the model group to prepare model documentation, provide credible challenge, and obtain usage approvals.
• Provides input into deep dives and prepares and delivers presentations for various senior Risk forums to provide updates on the Credit portfolio and support risk discussions.

Skills

Credit judgement

Verbal communication

Written communication

Interpersonal skills

Analytical thinking

Problem solving

Teamwork

PC aptitude

Education

Bachelor's degree or equivalent experience

Advanced courses in finance, accounting, and credit

Job description

JPMorgan Chase is seeking a Lead Credit Officer Vice President in Business Banking Risk to lead credit oversight and end-to-end decisioning for new and existing credit extensions. You will translate portfolio data into insights and collaborate across teams to strengthen credit strategy and governance.

The role requires validating complex credit opportunities, due diligence, financial analysis, structuring, and negotiation, with a focus on risk mitigation and senior-level communication.