Credit Lead Officer (Vice President) - Consumer and Community Banking
Lowongan Kerja Posisi Credit Lead Officer (Vice President) - Consumer and Community Banking di JPMorgan Chase Bank, N.A.
DESKRIPSI LOWONGAN KERJA
JOB DESCRIPTION
Job Summary:
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.
Chase Business Banking Risk Management is seeking a highly motivated individual who will lead and manage the underwriting team providing decisions for Business Banking credit applications based on a thorough knowledge of credit policy, inclusive of financial statement analysis. The underwriting manager will be responsible for managing, coordinating and directing the daily operations of risk professionals, assigning their work and setting workflow priorities, introducing them to new procedures and tracking their performance. This individual will demonstrate strong people management skills, analytic & problem solving skills, superior work ethics, and leverage sound judgment to effectively work in a fast pace and dynamic environment.
Job Responsibilities:
- Analyze and decisions credit requests with a targeted Credit Authority up to $3 Million
- May manage other managers and teams, either directly or indirectly, with meaningful and defined accountability
- Performs credit assessments and reviews up to a designated approval authority limit and has the expertise to recognize possible complex risks that a client's business may pose to the organization with recommendations to mitigate such risks. Pro-actively monitors industry and sector developments
- Responsible for independent management of select credit risk relationships including but not limited to monitoring and approval of exposure limits, identification of concentrations and trends related to the relationship as well as assignment of timely and accurate risk ratings
- Provides input and guidance to the structure and terms of the relevant credit products extended to issuers/clients
- Monitors exception reporting for significant issues and works with appropriate stakeholders to understand issues, resolution plans and escalate potential problems to senior management
- Performs collateral valuation and analysis, evaluation of accounting system controls and data integrity and managerial control reviews, elevating significant findings and areas of concerns
- Utilizes a strong understanding of the business, the products covered (incl. marketing, pricing, and servicing), and the market in which the business operates (e.g., customers serviced, alternative products, competitors) to perform credit risk analysis and present conclusions to senior management to facilitate decision making
- May represent JPMorgan in external discussions (e.g. regulatory or with clients) around risk-related matters and due diligence
- May work with the Model Review Group to prepare model documentation, provide credible challenge, and obtain usage approvals. Understands, reviews and challenges quantitative models & their output – applying experience and judgement to look beyond standard assumptions or BAU and identify risks & mitigants
Required Qualifications, Skills, and Capabilities:
- Strong people skills, communication skills and attention to detail
- Excellent interpersonal skills, strong analytical and judgment skills
- Self-motivation and ability to work independently in a fast-paced environment as well as knowledge of bank systems and loan/credit risk needed
- Results-oriented team player with a high level of proficiency in organizing, priority-setting, and issues management a must.
Preferred Qualifications, Skills, and Capabilities:
- Bachelor’s degree in accounting preferred
- Manila CPA Certification and prior business credit experience preferred
- Bachelor’s degrees in business, finance, or economics are acceptable with at least ten years prior credit underwriting experience
ABOUT US
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.
ABOUT THE TEAM
Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We’re proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.
Informasi Tambahan Lowongan Kerja
Tingkat Pekerjaan : CEO/SVP/AVP/VP/Director
Kualifikasi : Accounting/Finance, Banking/Financial
Pengalaman Kerja : 10 years
Jenis Pekerjaan : Full-Time
Spesialisasi Pekerjaan : Accounting/Finance, Banking/Financial / 501, 135
Informasi perusahaan Pemberi Kerja, JPMorgan Chase Bank, N.A.
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.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. These requirements may include sharing information in the firm's vaccine record tool, vaccination or regular testing, mask wearing, social distancing and daily health checks. Requirements may change in the future with the evolving public health landscape.Information about JPMorgan Chase & Co. is available at https://www.jpmorganchase.com/about/our-history.
Informasi Tambahan Perusahaan JPMorgan Chase Bank, N.A.
Ukuran Perusahaan : More than 5000 Employees
Waktu Proses Lamaran : 3 days
Industri : Banking / Financial Services
Tunjangan dan Lain-lain : Dental, Miscellaneous allowance, Medical, Parking, Paid Training, Night Differential, Life Insurance, Retirement Plan, Business Attire, Shifting Schedule
Lokasi : Taguig City