Risk Management - Merchant Services Credit Officer - Vice President

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 on our Wholesale Credit Risk Merchant Services Team, you will play a pivotal role in maintaining the firm's resilience. You will have the opportunity to assess new applications for payment processing, work directly with various stakeholders and provide expert recommendations. This role offers you the chance to apply your analytical skills and contribute to our firm's growth in a responsible way.
Job responsibilities

• Assign and complete credit due diligence and assigning an obligor grade in line with the firmwide policies
• Review client applications, including financial statement analysis, for payment processing services provided by JPMorgan Merchant Services
• Work directly with Sales, Bankers and applicants to complete full due diligence report of applicants to determine and document business model, credit worthiness and potential credit exposure to the firm
• Provide expert recommendation to the Head of Wholesale Credit, Merchant Services Chief Risk Officer and Commercial and Investment Bank Chief Risk Officer

Required qualifications, capabilities and skills

• Bachelor's degree in Business, Finance, Accounting or similar area and in-depth knowledge of accounting and corporate finance
• 5+ years of relevant credit or underwriting experience
• Strong analytical and modeling skills
• Capable of understanding, describing and debating complex concepts
• Proficiency in Microsoft Office Suite, especially Excel, PowerPoint and Word

Preferred qualifications, capabilities and skills

• Previous experience working in the payments industry
• Strong accountability, ownership of tasks, attention to detail and work ethic
• Capable of delivering compelling presentations and effectively communicating complex information to diverse audiences
• Strong interpersonal skills, ability to work well in a team environment and highly motivated with a natural passion to learn
• Experience driving system and policy change, demonstrating the ability to lead initiatives through cross-team partnerships
• Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time
• Fluent in French for both written and verbal communication

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.