Help shape smart credit decisions for leading financial services companies across the United States. In this role, your judgment will directly influence how we structure exposures, manage risk, and support client growth. You’ll partner closely with coverage banking, treasury services, and product teams on complex transactions and ongoing portfolio stewardship. If you’re rigorous, curious, and comfortable driving decisions with incomplete information, you’ll thrive here. Join a team where strong risk management and strong client partnership go hand in hand.
As a Credit Officer in the Commercial & Investment Bank Financial Institutions Group – Streamlined Risk Team, you will lead credit risk management for a portfolio of financial services clients across multiple subsectors. You’ll assess risk, design and recommend credit structures, and drive credit approvals in close partnership with coverage and product teams. You’ll also monitor portfolio performance, keep risk ratings current and forward-looking, and escalate emerging concerns early. This role offers broad exposure across treasury management and trading-related products and pathways to expanded underwriting responsibilities over time.
Job Responsibilities
- Identify and evaluate key risk factors across assigned clients, products, and industry subsectors.
- Lead client due diligence meetings and synthesize findings into clear risk views.
- Engage with clients, bankers, and internal partners to build understanding of business models, financials, and competitive dynamics.
- Develop and recommend credit structures aligned to risk, including collateral and key terms.
- Prepare credit approval materials and present recommendations to the appropriate approval level.
- Ensure adherence to credit risk and related policies, including approval authorities and documentation standards.
- Negotiate collateral, covenants, and other terms in partnership with deal teams.
- Review and negotiate legal and trading documentation to confirm alignment with approved credit terms.
- Monitor portfolio clients continuously and maintain current, forward-looking risk ratings.
- Identify deteriorating credits early and drive proactive risk mitigation and problem-credit management.
- Deliver annual reviews and ad hoc portfolio reporting to senior management and coordinate with Credit Services to keep systems data accurate.
Required qualifications, capabilities, and skills
- Bachelor’s degree.
- 3 years of experience in credit risk, underwriting, portfolio management, or a closely related risk role.
- Demonstrated ability to analyze financial statements, liquidity, leverage, and cash flow drivers.
- Experience preparing credit approval write-ups and presenting recommendations to senior stakeholders.
- Proven ability to operate independently with minimal day-to-day direction.
- Strong written and verbal communication skills, including the ability to explain risk clearly and concisely.
- Experience working in cross-functional deal teams and managing multiple deadlines.
- Strong relationship-management skills with internal partners and external clients.
- Ability to identify emerging risks and take proactive action on deteriorating situations.
- Commitment to a strong control environment and policy adherence.
- Proficiency in Microsoft Excel, PowerPoint, and Microsoft Office tools.
Preferred qualifications, capabilities, and skills
- Experience covering financial services subsectors such as insurance, asset management, private equity, payments, exchanges, mortgage finance, or lender finance.
- Experience with treasury management and payment products (for example, automated clearing house debits/credits, letters of credit, corporate cards, intraday overdraft).
- Familiarity with securities or over-the-counter derivatives exposures and related credit risk considerations.
- Experience negotiating collateral agreements and trading documentation.
- Knowledge of bank credit policies and procedures.
- Experience presenting portfolio reviews or risk themes to senior leadership.
- Interest in progressing toward broader underwriting responsibilities over time.
About Us
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
Skills Required
- Bachelor's degree
- At least 3 years of experience in credit risk, underwriting, portfolio management, or a closely related risk role
- Ability to analyze financial statements, liquidity, leverage, and cash flow drivers
- Experience preparing credit approval write-ups and presenting recommendations to senior stakeholders
- Ability to operate independently with minimal day-to-day direction
- Strong written and verbal communication skills, including the ability to explain risk clearly and concisely
- Experience working in cross-functional deal teams and managing multiple deadlines
- Strong relationship-management skills with internal partners and external clients
- Ability to identify emerging risks and take proactive action on deteriorating situations
- Commitment to a strong control environment and policy adherence
- Proficiency in Microsoft Excel, PowerPoint, and Microsoft Office tools
- Experience covering financial services subsectors such as insurance, asset management, private equity, payments, exchanges, mortgage finance, or lender finance
- Experience with treasury management and payment products, including automated clearing house debits and credits, letters of credit, corporate cards, or intraday overdraft
- Familiarity with securities or over-the-counter derivatives exposures and related credit risk considerations
- Experience negotiating collateral agreements and trading documentation
- Knowledge of bank credit policies and procedures
- Experience presenting portfolio reviews or risk themes to senior leadership
- Interest in progressing toward broader underwriting responsibilities over time
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.
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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.
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