Bring your expertise to JPMorgan Chase. As a part of 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 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. To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT). Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs. We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. Those in eligible roles, discretionary incentive compensation which may be 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. Equal Opportunity Employer/Disability/Veterans