JPMorgan Risk Management - Credit Senior Officer Associate 

United States, Ohio 

532304703

As a Credit Officer you will be involved in the oversight, management and approval of new and existing extensions of credit and credit risk for the Business Banking line of business. Analysis of credit opportunities, structuring transactions, negotiating and reviewing terms, identifying risks, conducting due diligence and exerting credit approval authority.

Job Responsibilities:

• Analyze and decisions credit requests.
• May manage either directly or indirectly small teams of individual contributors.
• Manages the end-to-end issuer/client credit relationship, including existing and new transactions. May involve frequent issuer/client interaction and fulsome comprehension of the issuer/client, its industry and credit needs.
• Prepares, reviews and challenges quantitative and qualitative credit analysis while also responsible for Business Analysis, gathering requirements and writing business and technical stories for consumption by management.
• Applies broad knowledge of key collection strategies (e.g., competitor activities, market conditions, financial metrics and regulatory environment) to perform analysis and present findings to senior management for decision making.
• Provides input and guidance to the structure and terms of the relevant credit products extended to issuers/clients.
• Understands and runs complex models, challenging modelling outputs and understanding potential modelling weaknesses.
• Manages and analyzes large amounts of data and information pertaining to credit risk exposures.
• Identifies, analyzes and escalates credit risk issues to the respective business areas.
• Performs in-depth credit analysis of potential opportunities and existing credit relationships across the business spectrum.
• May partner with the Model Review Group to prepare model documentation, provide credible challenge, and obtain usage approvals.
• Provides input into deep dives and prepares and delivers presentations for various senior Risk forums to provide updates on the Credit portfolio and support risk discussions.

Required qualifications, capabilities and skills:

• A bachelor's degree or equivalent experience is required
• Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work.
• Five plus years’ experience as a relationship manager, Credit Officer or similar position requiring business banking/commercial knowledge and credit judgment.
• Ability to formulate and articulate objective views based on professional analysis.
• Thorough knowledge of credit philosophy and policies, loan documentation, bankruptcy and related legal issues.
• Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.
• Demonstrated PC aptitude.
• Works effectively in a team environment, while assuming individual responsibility.

Preferred qualifications, capabilities and skills:

• Business Banking/Commercial portfolio management experience
• Graduate degree in business is preferred.