Senior Credit Review Director

Job Description
This role focuses on Consumer & Community Banking (Auto Finance, Business Banking, Card Services, and Home Lending) and consumer-related portfolios within Asset & Wealth Management. The Consumer Credit Review team performs independent reviews of JPMC retail loan portfolios that include an evaluation of the adequacy and accuracy of lending decisions, consistent application of risk policy and credit procedures, analysis of underwriting standards and practices, and the assessment of asset quality through ongoing monitoring. Furthermore, the team assesses whether sufficient controls are in place to mitigate credit risk to the firm.
As a Senior Credit Review Director within the Consumer Credit Review Group, you will lead, manage, and develop a team of approximately 25 Consumer Credit Review professionals in a direct and matrixed organization. Through these review activities, the team will independently opine on the adequacy of underwriting analysis, appropriateness of credit decisions, and effectiveness of the credit management process supporting credit quality. This position will report to the Global Head of Credit Review, will be a member of the senior leadership of Credit Review and also a member of the Audit Leadership Team (ALT) within Internal Audit.
Job responsibilities

• Determine overall team structure and manage resource allocation across review execution.
• Leverage relationships to deepen awareness of credit trends/developments and share regulatory areas of focus across teams.
• Challenge the team to be innovative in coverage and approach and promote data analytic initiatives that support the department objectives.
• Openly communicate and cascade messages from the leadership team, stakeholders, and regulators.
• Promote an inclusive environment where all teammates are treated with fairness and respect.
• Maintain senior relationships (typically OC -1 level) providing advice, influence and credible challenge.
• Maintain relationship with Regulators and act as a main point of contact for Regulator requests, including understanding requirements and expectations for Credit Review coverage.
• Share concerns with the business / credit risk management and lead a common understanding / approach.
• Influence credit review methodology and operating processes across the department, working with Practices to ensure the methodology keeps pace with environmental change.
• Attend Risk Committee and other pertinent portfolio meetings regularly.
• Ensure consistent application of firmwide risk policy, credit procedures, consistency of credit review approach and compliance with methodology across the Consumer Credit Review portfolio.

Required qualifications, capabilities and skills

• Proven leader of others with at least 10 years of direct management experience.
• Experienced credit professional with a minimum of 20 years of consumer credit experience.
• Deep knowledge and understanding of consumer underwriting guidelines and principles and credit/financial analysis.
• Firm understanding of how to employ data analytics to monitor and assess the credit card portfolios.
• Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
• Demonstrated understanding of credit risk management principles and great analytical skills.
• Excellent oral 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 take personal risk, responsibility, and accountability.
• Works well alone and in teams, proactively shares information, supports colleagues, and encourages participation and development.
• Able to travel as required.

Preferred qualifications, capabilities and skills

• Background in consumer credit underwriting, credit risk management and credit risk review.
• Previous Credit Review experience
• Masters or other advanced degree

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.