Consumer Credit Review is responsible for independently evaluating the adequacy and accuracy of lending decisions, consistent application of risk policy and credit procedures, analysis of underwriting standards and practice, and determining through ongoing monitoring the overall assessment of asset quality. Furthermore, Consumer Credit Review assesses whether sufficient controls are in place to mitigate credit risk to the firm. Consumer Credit Review focuses on portfolios within the Consumer & Community Banking and Asset & Wealth Management Mortgage lines of business. This position will report to the Head of Consumer Credit Review and is located in Columbus, OH, Wilmington, DE or Plano, TX.

The Credit Review Executive Director will lead, manage and develop a team of Reviewers and Reviewers-in-Charge that are generally aligned with sub-lines of business (LOB) groups, ensure quality and timely completion of projects and has authority to approve the content of work output in the official system of record.

The Credit Review Executive Director will lead activities that evaluate consumer, auto, credit card, home lending and business banking loan transactions and perform assessments of underwriting and portfolio management to 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.

Key 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, recommend corrective action as needed and ensure archival of work papers and final reports.
• 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 drive change.
• Drive 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 Credit Risk Management stakeholders to establish strong working relationships while maintaining independence.
• Ensure consistent application of firm-wide Risk Policy as well as Credit Review Policies and Procedures.
• Openly communicate and cascade messages from the leadership team, stakeholders, and regulators.
• 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.
• Influence training to promote continuous learning.
• Lead an environment where all individuals are treated with fairness and respect as well as engaging in and influencing diversity initiatives to create an inclusive environment.
• Complete special projects and research as assigned by the Head of Consumer Credit Review.

Qualifications:

• Experienced credit professional with minimum 10-years consumer and mortgage credit experience, preferably with a 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.
• 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.

JPMorgan Chase & Co., 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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, discretionary incentive compensation which may be 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.

Equal Opportunity Employer/Disability/Veterans