Business Banking Lead Credit Officer, Vice President

Role Overview

Join JPMorgan Chase within Risk Management and Compliance, where you play a central role in maintaining the firm’s strength and resilience. You enable responsible business growth by anticipating new and evolving risks and applying expert judgement to address real-world challenges affecting the company, its clients, and the communities we serve. Our Risk Management and Compliance culture emphasizes innovative thinking, challenging the status quo, and delivering best-in-class results.

Key Responsibilities

• Assess and render decisions on Business Banking credit requests within independent approval authority, escalating when exposures exceed established limits.
• Structure transactions with appropriate terms, covenants, collateral, and risk mitigants aligned to our risk appetite.
• Review and underwrite requests in Government (including municipal bond exposures) and Not-for-Profit segments nationwide.
• Evaluate financial trends, sector dynamics, and borrower-specific risks that impact repayment capacity; document mitigants.
• Perform due diligence, including financial statement analysis, ratio and trend assessment, and qualitative management and sector review.
• Negotiate and review terms and conditions to align with underwriting conclusions and policy requirements.
• Determine and validate risk grades using loan grading tools; ensure facilities are properly graded and documented.
• Prepare clear, thorough decision rationales and credit memoranda in proprietary systems with audit-ready documentation.
• Identify, analyze, and escalate emerging credit risk issues to the appropriate business and risk stakeholders.
• Collaborate with Relationship Managers and Credit Risk Center colleagues to drive consistent process execution and regulatory adherence.
• Serve as a resource to less experienced Credit Officers, contributing to knowledge sharing and best-practice adoption.

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree or equivalent professional experience is required.
• Completion of advanced coursework in finance, accounting, and credit (bank-sponsored training or equivalent academic study).
• At least three years of commercial credit analysis and credit decisioning experience in Business/Commercial Banking.
• Proven ability to formulate and articulate objective, evidence-based credit views.
• Thorough knowledge of credit philosophy and policies, including risk grading standards and portfolio risk concepts.
• Proficiency with loan documentation fundamentals and awareness of bankruptcy and related legal issues.
• Strong analytical, problem-solving, and financial analysis skills, including ratio analysis and cash flow assessment.
• Excellent verbal and written communication skills, with the ability to negotiate terms and present credit conclusions.
• Experience operating in a fast-paced, centralized credit environment with solid time management and SLA discipline.
• Familiarity with loan grading tools and proprietary credit systems for decisioning and documentation.
• Team-oriented mindset with the ability to take accountability and manage a diverse workload.

Preferred Qualifications, Capabilities, and Skills

• Business Banking/Commercial portfolio management experience, including monitoring and risk rating maintenance.
• Two or more years of risk analysis experience in Government (municipal bond–related exposures) and/or Not-for-Profit segments.
• Graduate degree in business, finance, accounting, or a related field.
• Experience negotiating complex structures, covenants, and collateral packages tailored to borrower risk profiles.
• Familiarity with municipal credit.

Location

1111 Polaris Parkway, Columbus, OH 43240