Do you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.
As a Credit Ops Analyst in Card Lending Services, you will be underwriting new applications as well as existing corporate liability credit requests, with a strong focus on credit quality and risk assessment. You will work with commercial credit applications and build strong working relationships with internal partners such as Business Bankers, Business Development, and Risk Policy.
Job Responsibilities:
- Demonstrate the ability to spread business financial statements/tax returns, perform ratio analysis, complete risk assessment, and make sound credit decisions and recommendations via written and verbal presentations
- Experienced in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
- Proficient in credit/lending transactions and analytical skill sufficient to enable independent underwriting of commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager
- Exhibit strong analytical and problem-solving skills
- Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management
- Collaborate effectively in a team environment
- Adopt the flexibility in adapting to changing volumes and areas of focus (new applications versus portfolio reviews versus initiation of collections, etc.)
- Investigate, recommend and initiate process improvements
- Possess accounting and finance knowledge, and commercial banking experience
Required qualifications, capabilities, and skills:
- Minimum one year commercial credit lending experience
- Commercial credit card lending experience
- Computer skills specific to Microsoft products and proprietary systems
- Bachelor's degree in a business-related discipline
- Successful completion of a major corporate bank commercial training program or the equivalent corporate banking/corporate finance or accounting experience
Preferred qualifications, capabilities, and skills:
- Ability to multitask using a computer and simultaneously provide customer support
- Master's degree in a business-related discipline
- Comfortable in a fast-paced, consistently changing environment
- Previous experience working in a Financial and Call Center
- Have a passion for helping people by solving problems, presenting, and explaining solutions
Panel Process:
All New Hires are required to complete and successfully pass the Panel Evaluation during training in order to obtain Lending Authority. The Panel Evaluation Process is a component of training that evaluates your ability to apply the learned JPMC Lending Philosophy. In addition to fulfilling all other expectations of the position, your continued employment with Chase will be contingent on successfully passing the panel evaluation.
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 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.
Skills Required
- Minimum one year commercial credit lending experience
- Commercial credit card lending experience
- Computer skills specific to Microsoft products and proprietary systems
- Bachelor's degree in a business-related discipline
- Successful completion of a major corporate bank commercial training program or equivalent corporate banking/corporate finance/accounting experience
- Ability to multitask using a computer and simultaneously provide customer support
- Master's degree in a business-related discipline
- Previous experience working in a Financial and Call Center
- Comfortable in a fast-paced, consistently changing environment
- Passion for helping people by solving problems, presenting, and explaining solutions
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical, dental, vision, and mental-health coverage are broad, with wellness incentives, on-site or virtual care, and an EAP offering coaching and counseling. Plan materials emphasize accessible options, including multiple medical choices and tools to manage costs.
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Parental & Family Support — Paid parental leave extends up to 16 weeks for all parents, supplemented by paid Critical Caregiver Leave. Family resources include backup childcare via Bright Horizons, lactation support and milk-shipping, family-building assistance, and even a free five-month SNOO rental for newborns.
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Retirement Support — Retirement programs include a 401(k) with an annual company match and automatic pay credits for most employees, with a legacy pension available to earlier hires. An Employee Stock Purchase Plan at a 5% discount further supports long-term savings.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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