Business Card Risk Credit Officer

at JPMorgan Chase in Wilmington, Delaware, United States

Job Description

As a Credit Officer in Business Card Risk, you are responsible for the following:

+ Evaluates credit worthiness and makes judgmental decisions on business card applications/accounts

+ Provide quality feedback to lending staff on submitted credit reviews

+ Ensure credit review documentation supports and justifies the disposition

+ Ability to independently identify and assess applicant risks, including financial, credit, reputational and industry risk

+ Ability to identify when additional levels of disclosure or documentation are needed to support the credit exposure recommended

+ Participate in discussions with business/market if decisions rendered are escalated. Strong ability to support rendered decisions while balancing overall risk/reward to the firm

+ Identifying transactions which should be calibrated with management or cross line of business partners

+ Ensure documentation adheres to risk requirements, including risk grading when appropriate

+ Mostly works independently without direct supervision.

+ Assists with appropriate updates to risk policies and procedures aligning to business card and corporate liability functions

+ Ad hoc account level research to assist with strategy and/or system enhancements


+ Minimum of bachelor’s degree or equivalent experience, graduate degree in business preferred.

+ Completion of advanced courses in finance, accounting, and credit either through a bank sponsored training program or college course work.

+ 4-5 years of relevant experience preferred

+ Ability to formulate and articulate objective views based on professional analysis.

+ Thorough knowledge of commercial credit and judgmental lending

+ Strong verbal, written, and interpersonal skills, as well as analytic and problem-solving skills.

+ Adept with Microsoft Office

Works effectively in a team environment, while assuming individual responsibility

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 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.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the “WELL Health-Safety Rating” for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm’s current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm’s vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

Equal Opportunity Employer/Disability/Veterans

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Job Posting: JC223859100

Posted On: Sep 16, 2022

Updated On: Oct 24, 2022