Credit Officer, Vice President - Asset-Backed Finance

As part of the 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.

As a Lead Credit Officer - Vice President within Wholesale Credit Risk for J.P.

Morgan's Commercial & Investment Bank, you will independently evaluate, approve, and actively manage risk for predominantly Asset-Backed Securitization financings (ABS) across consumer and commercial asset classes - from auto loans and credit cards to digital infrastructure and emerging collateral types.

Partner with deal teams to structure complex financings, validate stress models, present recommendations to senior credit approvers, and actively manage a dynamic portfolio.

Additionally, you will combine deep asset-level analysis with corporate credit assessment of originators and servicers, giving you a comprehensive view of risk across the capital structure.

This role offers more than technical challenge - it's a platform for leadership.

Coach junior analysts, influence outcomes, and help shape the future of structured finance.

Job Responsibilities


* Develop forward-looking view of client businesses and collateral risk through financial analysis of asset originators and servicers, including liquidity, leverage, cash flow, profitability, covenant compliance, and operational resiliency


* Lead and document due diligence on clients, servicers, and assets through virtual and onsite reviews; evaluate asset data and performance trends to form prospective risk outlook


* Provide independent challenge on proposed financing terms and structures to ensure alignment with risk appetite; identify, assess, and quantify key risks across asset performance, counterparty profile, and structural features


* Validate cash flow and waterfall models to confirm loss coverage, liquidity, weighted average life, and trigger headroom; challenge model assumptions and structural protections


* Review and approve agreed-upon procedure (AUP) scopes and reports for receivable audits conducted by independent securitization consultants


* Prepare and oversee written credit analyses with clear recommendations for senior credit approvers; document rationales, conditions, and monitoring requirements


* Review transaction legal documentation for consistency with approved terms


* Continuously monitor assigned portfolio credit quality; maintain accurate risk grades and early warning indicators to identify deteriorating credits and implement protective mitigants


* Coach and train junior analysts while upholding analytical rigor, documentation standards, and timely delivery of credit approvals
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