Risk Management - Special Credits Lead - Vice President

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.

You will be responsible for mitigating risk and maximizing recovery of the bank’s credit exposure through early intervention with stressed or distressed borrowers. You will oversee a portfolio of problem credit with aggregate exposures greater than $500,000, playing a critical role in identifying credit issues early and helping the bank mitigate risk.

• Review collateral and loan documentation to identify and remediate errors, omissions, or deficiencies.
• Obtain and evaluate current financial information and collateral valuations to assess clients’ financial strength and collateral adequacy.
• Assess client and facility risk ratings according to established procedures.
• Develop and implement strategies to protect and improve the bank’s credit position, including determining stay/leave approaches for individual clients.
• Negotiate restructures of credit facilities and secure additional collateral as needed.
• Monitor progress against approved strategies and ensure timely documentation of status updates.
• Initiate legal actions, including collateral liquidation/foreclosure, to protect the bank’s interests when necessary.
• Maintain thorough documentation of all client interactions, agreements, and communications with external vendors and attorneys.
• Submit loans to the Small Business Administration (SBA) for repurchase when defaulted facilities are SBA-guaranteed.

• Minimum 5 years of experience in commercial collections and problem credit management.
• Strong knowledge of financial statement analysis, accounting practices, accounts receivable/borrowing base analysis, and collateral perfection.
• Expertise in commercial real estate and accounts receivable/inventory lending.
• Advanced negotiation, influencing, decision‑making, conflict management, interpersonal, and analytical/problem‑solving skills.
• In‑depth understanding of credit philosophy, policies and procedures, loan documentation, SBA guidelines, collections litigation, federal bankruptcy laws, and state collection laws.
• Exceptional verbal and written communication skills.
• Ability to excel under pressure and thrive in fast‑paced environments.

Chase is a leading financial services firm, helping nearly half of America’s households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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…