Bring your expertise to JPMorgan Chase.  As 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 Vice President Lead Credit Officer in Dealer Commercial Services, you will be a leader on the team and expected to understand the risk appetite, guide decisions, manage and influence business priorities, and oversee the ongoing production of the portfolio. With minimal guidance, you will be expected to approve and structure deals appropriately that are within your credit authority and provide guidance and recommendations on deals outside of your credit authority. 

The Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 500+ franchised retail automobile dealer group relationships. We are searching for a Lead Credit Office to manage a portfolio of approximately $1.5 billion in loan commitments. The Lead Credit Officer is recognized for superior commercial lending knowledge and analytical abilities.  You must possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.  

  Job Responsibilities:

Ensure Quality of Credit Decisions: Consistent quality risk and analysis packages that comply with regulations, policies and procedures Manage Portfolio: Provide ongoing oversight of credit management activities with a focus on early warning concerns, guidance on policy issues, procedures and risk ratings Operating Efficiently: Oversee the Credit Officer resources, timely submission and focus on production for customers  Approve Credit: Maintain integrity of credit transactions (new originations and renewals) and effectively instigate credible challenges with the business and ability to present and support recommendations to senior management Build/Maintain Strong Partnerships: Engage in deal teams with alternative credit structures and participate in customer meetings

Required qualifications, capabilities, and skills:

Bachelor's degree in finance or accounting or related field 10+ years’ commercial banking / lending experience including extensive credit experience.  Commercial banking / automotive captive experience, with thorough knowledge of accounting and financial statement analysis.  Superior analytical skills supported by excellent written and verbal communication skills.  Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.  Recognized leadership capacities and executive presence.