JPMorgan Chase
Business Banking Lead Credit Officer, Vice President
Houston, TX · Director · Full-time · Posted Sep 10, 2026
- Experience
- 5+ years in a relationship manager, Credit Officer, or similar role requiring commercial credit judgment.
- Education
- Bachelor’s degree or equivalent experience; advanced coursework/training in finance, accounting, and credit (bank program or college coursework).
- Visa sponsorship
- Must be authorized to work in the United States. No employment-based immigration sponsorship or assistance with other immigration sponsorship or benefits, including OPT or CPT.
About the job
Oversees Business Banking credit decisions and portfolio risk, evaluating credit requests, structuring transactions, and communicating risk insights to senior forums.
What you'll do
- Analyze and decide new and existing credit requests, including due diligence, risk assessment, and transaction structuring.
- Analyze portfolio exposures and emerging risks, and collaborate with model risk and analytics partners on documentation, challenge, and approvals.
- Develop portfolio deep dives and present findings to senior Risk forums to support governance and credit decisions.
What they ask for
- Bachelor’s degree or equivalent experience, plus advanced coursework or training in finance, accounting, and credit.
- 5+ years of experience as a relationship manager, Credit Officer, or similar role requiring commercial credit judgment.
- Strong knowledge of credit philosophy and policies, underwriting best practices, loan documentation, bankruptcy concepts, and related legal considerations.
- Demonstrated ability to form objective credit views through rigorous analysis and communicate findings effectively.
Nice to have
- Graduate degree in business (MBA or equivalent).
- Experience presenting portfolio insights to senior governance forums or driving process improvements in underwriting, monitoring, or risk decisioning.
Model-written summary · the original posting is authoritative