VP, Business Banking Credit Lead

Testing Site - JPMC; Columbus (OH); On-site; USD 140,000 - 190,000; Full time

Job summary

JPMorgan Chase in the United States seeks a Lead Credit Officer Vice President within Business Banking Risk to oversee credit decisions for new and existing Business Banking facilities. You will analyze opportunities, structure transactions, and apply credit authority with a focus on risk mitigation and policy adherence.

Your role involves due diligence, financial analysis, and collaboration with Relationship Managers to deliver consistent underwriting outcomes in a fast-paced environment across

Qualifications

• 3+ years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking.
• Demonstrated ability to formulate and articulate objective, evidence-based credit views.
• Thorough knowledge of credit philosophy and policies, including risk grading standards and portfolio risk concepts.
• Proficiency with loan documentation fundamentals and awareness of bankruptcy and related legal issues.
• Strong analytical, problem-solving, and financial analysis skills, including ratio analysis and cash flow assessment.
• Effective verbal and written communication skills with the ability to negotiate terms and present credit conclusions.
• Experience operating in a fast-paced, centralized credit environment with strong time management and SLA discipline.
• Facility with loan grading tools and proprietary credit systems for decisioning and documentation.
• Team-oriented mindset with the ability to assume individual accountability and manage a diverse workload.

Responsibilities

• Analyze and decision Business Banking credit requests with independent approval authority, escalating when exposure exceeds limits.
• Structure transactions with appropriate terms, covenants, collateral, and mitigants aligned to risk appetite.
• Review and underwrite requests in Government (including municipal bond–related exposures) and Not-for-Profit segments nationwide.
• Evaluate financial trends, sector dynamics, and borrower-specific risks that impact repayment capacity; identify and document mitigants.
• Conduct due diligence, including financial statement analysis, ratio and trend assessment, and qualitative management and sector review.
• Negotiate and review terms and conditions to align with underwriting conclusions and policy requirements.
• Determine and validate risk grades using loan grading tools; ensure facilities are properly graded and documented.
• Prepare clear, thorough decision rationales and credit memoranda in proprietary systems with audit-ready documentation.
• Identify, analyze, and elevate emerging credit risk issues to the appropriate business and risk stakeholders.
• Partner with Relationship Managers and Credit Risk Center colleagues to drive consistent process execution and regulatory adherence.
• Serve as a resource to less experienced Credit Officers, contributing to knowledge sharing and best-practice adoption.

Skills

Credit analysis

Decisioning

Financial analysis

Risk management

Communication

Underwriting

Team mentorship

Education

Bachelor’s degree

Advanced finance coursework

Credit training

Tools

Proprietary credit systems

Loan documentation

Bank sponsorship training

Job description

JPMorgan Chase in the United States seeks a Lead Credit Officer Vice President within Business Banking Risk to oversee credit decisions for new and existing Business Banking facilities. You will analyze opportunities, structure transactions, and apply credit authority with a focus on risk mitigation and policy adherence.

Your role involves due diligence, financial analysis, and collaboration with Relationship Managers to deliver consistent underwriting outcomes in a fast-paced environment across