Credit Review - Executive Director

Job Description
This team assists the firm in maintaining a focus on safety and soundness by bringing a systematic and disciplined approach to evaluating credit portfolio quality and by promoting strong credit risk management practices, consistent with approved policies and regulatory guidelines!
As a Credit Review Executive Director within our Internal Audit Department, you will lead activities that evaluate consumer, auto, credit card, home lending and business banking loan transactions and perform assessments of underwriting and portfolio management. You will independently opine on the adequacy of underwriting analysis, appropriateness of credit mitigation actions, the effectiveness of the credit management process and controls supporting credit quality and overall assessment of direction of risk. Between periodic reviews, the Credit Review Executive Director will lead efforts that independently monitor credit risk and emerging trends, attend relevant meetings and develop and maintain relationships with internal stakeholders responsible for the credit process.
Job Responsibilities

• Provide team direction and assistance with Credit Review activities.
• Coordinate team assignments, drive project scope and sample selection, evaluate internal controls and systems that mitigate credit risk, communicate with business and risk management, review results and issue identification/dimensioning, and recommend corrective action as needed.
• Perform continuous monitoring of assigned portfolios and participate in portfolio review meetings.
• Challenge the team to be innovative in coverage and approach, coaching on how to implement change.
• Foster opportunities to understand and promote data analytics initiatives that support the department objectives.
• Serve as an information resource on consumer credit risk, policy and strategies.
• Partner with stakeholders to establish successful working relationships while maintaining independence.
• Ensure consistent application of firm-wide credit policies as well as Credit Review Policies and Procedures.
• Engage in Industry and business forums to maintain current knowledge of the business and recommend changes when needed.
• Influence credit review methodology and operating processes across the department, working with Practices to ensure the methodology keeps pace with environmental change.

Required qualifications, capabilities and skills

• Experienced credit professional with minimum 10-years of retail credit experience.
• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
• Demonstrated understanding of consumer credit principles and strong analytical skills.
• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to demonstrate personal responsibility and accountability.
• Proven ability and desire to learn quickly, be flexible, and think strategically.
• Ability to manage multiple tasks concurrently, with a high sense of urgency.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation.
• Flexibility to travel as required.

Preferred qualifications, capabilities and skills

• Background in credit underwriting, risk analytics and credit risk management.
• Successful completion of formal credit training program preferred, but not necessary.
• Previous credit review experience is preferred, but not necessary.

About Us
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 for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
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.
The Audit department provides independent assessments to evaluate, test and report on the adequacy and effectiveness of our governance, risk management and internal controls. The team's priorities are focused on strong governance, transparency, strategic engagement, and fostering a diverse and inclusive culture that develops our talent.