The Credit Review team within the JPMC Internal Audit Department is responsible for reviewing the credit process in commercial lending portfolios at the firm. The team focuses on portfolios within the Commercial and Investment Bank, Commercial Banking, Wealth Management, and Business Banking lines of business.

As a Vice President on the Credit Review team, you will be responsible for planning and executing periodic credit reviews, and participating on review assignments. You will lead members of the Credit Review team in activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently opine on the adequacy of underwriting analysis, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. Between periodic reviews, you will independently monitor credit risk trends within assigned commercial lending portfolios, attend relevant meetings, and develop and maintain relationships with internal stakeholders responsible for credit approval.

Job Responsibilities

• Lead a team of reviewers as reviewer-in-charge for commercial loan portfolio by chairing planning, kick-off, findings presentation, and closing meetings. Coordinate with the Credit Review Director on team assignments, define project scope, evaluate credit risk controls, communicate with management, review and assess findings, recommend corrective actions, write reports, and archive documents.

• Participate in Credit Review team-led reviews by preparing financial analyses and risk assessments, evaluating credit underwriting quality, recording findings in a database, and engaging in review meetings.

• Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings.

• Serve as an information resource on commercial credit risk and policy. Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence.

• Ensure consistent application of firm wide Risk Policy as well as Credit Review Policies and Procedures.

• Complete special projects and research as assigned by the Credit Review Director.

Required qualifications, capabilities and skills

• Experienced credit professional with minimum 10-years commercial credit experience

• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.

• Demonstrated understanding of commercial credit principles and strong analytical skills.

• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.

• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.

• Proven ability and desire to learn quickly, be flexible, and think strategically.

• Ability to manage multiple tasks concurrently, with a high sense of urgency.

• Works well individually and in teams, shares information, supports colleagues, and encourages participation.

• Flexibility to travel as required.

Preferred qualifications, capabilities and skills

• Background in commercial credit underwriting and credit risk management preferred

• Successful completion of formal credit training program preferred, but not necessary.

• Previous credit review experience is preferred, but not necessary.

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. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and 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

Base Pay/Salary

Jersey City,NJ $137,750.00 - $200,000.00 / year