Lead Credit Support Officer – Chase Auto Commercial Solutions – Vice Presid at JPMC Candidate Experience page

Bengaluru, karnataka, India -

Full Time

Start Date

Immediate

Expiry Date

29 Jul, 26

Salary

0.0

Posted On

30 Apr, 26

Experience

10 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

Credit analysis, Team management, Risk management, Portfolio management, Financial statement analysis, Cash flow analysis, Commercial lending, Automotive finance, Credit approval memorandums, Floorplan audit, Covenant testing, Resource allocation, Mentoring, Communication skills, Stakeholder management, Problem solving

Industry

Financial Services

Description

Job Description Bring your expertise to JPMorgan Chase. 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. The Commercial Solutions Risk team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 450 plus franchised retail automobile dealers. We are searching for an experienced Lead Credit Support Officer to manage a team of 8-10 credit support specialists. As a part of the team, you will be responsible for supporting senior credit officers in their portfolio management activities like finalizing spreads, testing covenants, floorplan audit exceptions etc. You are expected to take ownership of the team’s portfolio management responsibilities and possess the ability to multi-task, optimize work allocation and meet delivery deadlines, while making decisions in the best interest of the customer and organization. You are expected to possess and apply a broad understanding of the commercial solutions policies and procedures, business environment including the auto industry, current events, and economic cycles. Job Responsibilities : * Manage a team of 8–10 credit support specialists (analysts and associates), building a high-performing team that supports senior credit officers. * Oversee portfolio risk management activities performed by credit support specialists for their assigned portfolios, working closely with respective senior credit officers to ensure robust risk controls. * Plan and manage consistent work allocation among credit support specialists, optimizing resource utilization and ensuring balanced workloads. * Develop and implement structured training plans for new hires, while mentoring and coaching all credit support specialists by understanding their challenges, providing ongoing guidance, and ensuring high performance standards. * Maintain team credit assessment quality by keeping error rates below established QA thresholds. * Assist credit support specialists in preparing Credit Approval Memorandums (CAMs) for assigned credit card clients and ACH-only portfolios, providing decisions and recommendations. * Collaborate with Credit Risk Managers on portfolio management activities and develop strong relationships with Credit Executives and Sales teams. * Lead business-critical special projects related to credit topics and issues, driving successful outcomes. * Work proactively and constructively with internal and external contacts to keep transactions moving forward. * Demonstrate excellent communication skills with stakeholders, effectively solving problems and facilitating transactions. Minimum Skills, Experience, and Qualifications: * Bachelor’s degree in Finance, Accounting, Business Administration, Economics, or a related field; Master of Business Administration preferred. * Proven track record of 2-3 years in successfully leading and managing teams in a dynamic environment. * Over 7 years of total experience in commercial credit analysis or automotive captive finance, with expertise in accounting, risk grading, cash flow analysis, financial statement analysis and market evaluation. * Hands-on experience analyzing commercial loans to franchised auto dealerships or similar businesses, including floor plan, real estate, and acquisition lending. * Expert-level knowledge of credit philosophy and policies, with a strong understanding of commercial loan documentation requirements and related legal considerations. * Comprehensive knowledge of bank policies, procedures, products, and their associated risks. JPMorganChase, 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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process. 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. We also make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs [https://careers.jpmorgan.com/us/en/how-we-hire/faqs] for more information about requesting an accommodation. JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans Our professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we’re setting our businesses, clients, customers and employees up for success. 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.

Responsibilities

Manage a team of 8-10 credit support specialists to oversee portfolio risk management and support senior credit officers. Lead business-critical projects and ensure high-quality credit assessment standards are maintained.