As part of the 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 within Wholesale Credit Risk for J.P. Morgan’s Commercial & Investment Bank, you will independently evaluate, approve, and actively manage risk for predominantly Asset-Backed Securitization financings (ABS) across consumer and commercial asset classes – from auto loans and credit cards to digital infrastructure and emerging collateral types. Partner with deal teams to structure complex financings, validate stress models, present recommendations to senior credit approvers, and actively manage a dynamic portfolio. Additionally, you will combine deep asset-level analysis with corporate credit assessment of originators and servicers, giving you a comprehensive view of risk across the capital structure. This role offers more than technical challenge – it’s a platform for leadership. Coach junior analysts, influence outcomes, and help shape the future of structured finance. 

Job Responsibilities

Develop forward-looking view of client businesses and collateral risk through financial analysis of asset originators and servicers, including liquidity, leverage, cash flow, profitability, covenant compliance, and operational resiliencyLead and document due diligence on clients, servicers, and assets through virtual and onsite reviews; evaluate asset data and performance trends to form prospective risk outlookProvide independent challenge on proposed financing terms and structures to ensure alignment with risk appetite; identify, assess, and quantify key risks across asset performance, counterparty profile, and structural featuresValidate cash flow and waterfall models to confirm loss coverage, liquidity, weighted average life, and trigger headroom; challenge model assumptions and structural protectionsReview and approve agreed-upon procedure (AUP) scopes and reports for receivable audits conducted by independent securitization consultantsPrepare and oversee written credit analyses with clear recommendations for senior credit approvers; document rationales, conditions, and monitoring requirementsReview transaction legal documentation for consistency with approved terms Continuously monitor assigned portfolio credit quality; maintain accurate risk grades and early warning indicators to identify deteriorating credits and implement protective mitigantsCoach and train junior analysts while upholding analytical rigor, documentation standards, and timely delivery of credit approvalsOversee accurate booking of exposures in J.P. Morgan credit systems; coordinate with middle office to maintain data integrityLead ad‑hoc initiatives (portfolio reviews, regulatory inquiries) and contribute to enhancements in credit risk governance, as needed

 

Required Qualifications, Capabilities, and Skills

Bachelor’s degree in finance, economics, business or a related fieldMinimum 5 years of experience in corporate credit/banking, asset‑based lending (ABL), a national rating agency, or other roles involving highly structured credit lending and/or analysisExperience in assessing and managing risk, preferably with non‑bank financial institutions (NBFIs), securitization, and structured finance; completion of a bank credit/analyst training program (or equivalent) preferredStrong analytical and critical‑thinking skills with proficiency in Excel modeling (cash‑flow/waterfall), stress‑testing, and validating assumptionsExcellent written and verbal communication skills; able to explain complex topics clearly to stakeholdersProven ability to negotiate deal terms and structure solutions collaboratively with internal stakeholders and deal originatorsCapable of providing independent credible challenge on complex concepts and proposed structuresHighly motivated self-starter with a natural passion for learning and an inquisitive mindsetStrong interpersonal skills and the ability to work effectively in a team environmentAbility to manage multiple transactions and deadlines simultaneously with strong attention to detailStrong sense of accountability, ownership, and work ethic

Preferred Qualifications, Capabilities, and Skills

Familiarity with asset-backed securities (ABS) markets and experience lending to or analyzing ABS structuresFamiliarity with whole business securitizations, fiber transactions, and/or digital infrastructure asset classesFamiliarity with rating‑agency criteria and methodologies for asset-backed securitiesBasic understanding of credit, legal documentation, and securitization financing processesProficiency with advanced Excel and PowerPoint