Risk Management - Lead Credit Officer - Commercial & Specialized Industries

Job Description
Job Description
Bring your expertise to JPMorgan Chase. 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 - Vice President in Commercial and Specialized Industries Risk, you partner with us to deliver tailored credit solutions for a diverse portfolio of clients. You help drive financing decisions that support working capital, acquisitions, and growth initiatives. You work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors, ensuring their needs are met with sound risk management. You play a key role in structuring credit facilities and negotiating agreements, while contributing to our team's success and development. Additionally, this risk management position supports Indiana and Kentucky and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures, syndicated deals, institutional loans, and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business, financial, and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers, analyze credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation.
Job Responsibilities

• Perform credit analysis and financial modeling to structure and recommend new transactions
• Lead leveraged finance transactions and manage legal documentation negotiations for various lending structures
• Manage assigned credit portfolio independently, ensuring data integrity
• Assess and process risk rating changes promptly
• Develop and communicate well-considered credit views, incorporating company and industry risks
• Defend credit views to internal stakeholders and senior leadership
• Challenge banking teams as a second line of defense
• Drive deals to closure by meeting expectations and deadlines with strong time management
• Collaborate proactively with internal and external stakeholders to execute transactions
• Apply thorough understanding of credit policy and procedures
• Contribute to team objectives by developing junior talent and participating in projects

Required Qualifications, Capabilities, and Skills

• Bachelor's degree in business, finance, or related field
• Completion of a major corporate or commercial bank credit training program or equivalent experience
• Seven years of experience in middle market and mid-corporate lending
• Extensive experience in credit analysis, leveraged finance structuring, and loan documentation negotiation
• Experience working with portfolio companies of private equity firms
• Strong accounting and finance knowledge with advanced financial modeling skills
• Solid working knowledge of credit agreements and loan documentation
• Demonstrated critical and analytical thinking skills
• Proven ability to collaborate and build partnerships
• Excellent organizational and project management skills under tight deadlines
• Proficient in Microsoft Office, including Excel and PowerPoint

Required Qualifications, Capabilities, and Skills

• Experience supporting companies across diversified industries
• Familiarity with bilateral, syndicated, institutional, and direct lending structures
• Strong negotiation skills in complex transactions
• Ability to mentor and develop junior team members
• Intellectual curiosity and ability to learn quickly
• Experience managing multiple priorities in a fast-paced environment
• Excellent verbal, interpersonal, and written communication skills

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.