The Credit Review team within the JPMC Internal Audit Department is responsible for reviewing the credit process in commercial lending portfolios at the firm. The team focuses on portfolios within the Commercial and Investment Bank, Commercial Banking, Wealth Management, and Business Banking lines of business.

As a Vice President on the Credit Review team, you will be responsible for planning and executing periodic credit reviews, and participating on review assignments. You will lead members of the Credit Review team in activities that evaluate commercial loan transactions and perform assessments of underwriting and portfolio management to independently opine on the adequacy of underwriting analysis, accuracy and timeliness of risk grading decisions, appropriateness of credit mitigation actions, and the effectiveness of the credit management process and key controls supporting credit quality. Between periodic reviews, you will independently monitor credit risk trends within assigned commercial lending portfolios, attend relevant meetings, and develop and maintain relationships with internal stakeholders responsible for credit approval. 

Job Responsibilities

As Reviewer-in-Charge for commercial loan portfolios, lead a team of reviewers by chairing planning, kick-off, findings presentation, and closing meetings. Coordinate with the Credit Review Director on team assignments, define project scope, evaluate credit risk controls, communicate with management, review and assess findings, recommend corrective actions, write reports, and archive documents. Participate in Credit Review team-led reviews by preparing financial analyses and risk assessments, evaluating credit underwriting quality, recording findings in a database, and engaging in review meetings.  Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings.   Serve as an information resource on commercial credit risk and policy. Partner with Credit Risk Management stakeholders to establish strong working relationships while maintaining independence.   Ensure consistent application of firm wide Risk Policy as well as Credit Review Policies and Procedures.   Complete special projects and research as assigned by the Credit Review Director. 

Required qualifications, capabilities and skills

Experienced credit professional with minimum 10-years commercial credit experience, preferably with a background in commercial credit underwriting and credit risk management.  Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline. Demonstrated understanding of commercial credit principles and strong analytical skills.   Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.   Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.   Proven ability and desire to learn quickly, be flexible, and think strategically.   Ability to manage multiple tasks concurrently, with a high sense of urgency. Works well individually and in teams, shares information, supports colleagues, and encourages participation.   Flexibility to travel as required. 

Preferred qualifications, capabilities and skills

 Background in commercial credit underwriting and credit risk management preferred  Successful completion of formal credit training program preferred, but not necessary.    Previous credit review experience is preferred, but not necessary.