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The Business Banking Risk team is focused on a range of risk types generated through the partnership with BB functional groups. One area of focus is Credit Risk, where decisions are rendered on incoming credit requests from small business customers. Credit requests are sourced through our Business Relationship Managers located in the markets they serve.

The purpose of this position is to facilitate business loan portfolio growth and protect the bank from loss, maintaining acceptable asset quality.

Key Responsibilities:

  • Independently analyze, or at times work with more senior Credit Officers, to evaluate the risk of adding a particular transaction to the bank’s loan portfolio
  • Identify additional information requirements needed to properly assess risks of the transaction
  • Understand and assess the customer’s business model and its viability in the long run
  • Review and analyze the financial strength and soundness of the customer to identify key risks to the continued credit worthiness of the business
  • Considers alternative credit structures to mitigate risk where appropriate
  • Recommend action to be taken on credit, identifies key risks and information requirements
  • Ensure that credit facilities presented are properly graded.
  • Meet assigned timelines and ensure documentation requirements are met per the business and audit requirements.

  • 1-3 plus years’ experience as a credit underwriter or similar position requiring business knowledge and credit judgment
  • Post graduate or an advanced degree in business management, finance or accounting;
  • Ability to formulate and articulate objective views based on professional analysis.
  • Thorough knowledge of credit philosophy, loan documentation, bankruptcy and related legal issues.
  • Strong verbal, written, and interpersonal skills, as well as analytical and problem solving skills.
  • Good organization skills and ability to work within time constraints in a highly regulated industry
  • Works effectively in a team environment, while assuming individual responsibility.
JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world’s most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

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. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.

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Deadline: 10-11-2023

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