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About the Role

As a Lead Credit Officer within the Canada Diversified Credit Risk team, you will support responsible business growth by delivering credit solutions to clients from diverse industries. You will be accountable for the ongoing risk management and credit analysis of assigned clients, conducting due diligence, structuring transactions, and providing independent assessment and approval recommendations. This role requires maintaining portfolio quality, exercising sound credit judgment, and delivering timely solutions aligned with client needs and the firm's risk appetite.

Responsibilities

Conduct detailed quantitative and qualitative analysis on new and existing clients across industries, including cash flow generation, leverage, and forward-looking risk assessments.
Structure, negotiate, and document credit transactions to align with risk policies and client requirements, ensuring legal and bank standards are met.
Lead and participate in client due diligence, including direct interactions with client executive teams, and synthesize findings into clear credit recommendations.
Maintain ongoing surveillance of portfolio performance, monitor compliance with loan terms and covenants, and identify early warning signals or deteriorating risk profiles.
Prepare and review credit approval memos and ensure the timely execution of credit decisions.
Collaborate closely with client coverage bankers, product partners, and internal stakeholders to drive seamless transaction execution and enhance the client experience.
Mentor and develop junior risk professionals, contributing to a culture of continuous learning, high standards, and team engagement.
Track market and industry developments relevant to client exposures, sharing insights with colleagues and adapting strategies as needed.
Support the credit team’s contribution to organizational initiatives, including process improvement, change management, and diversity and inclusion efforts.

Requirements

Bachelor’s degree or higher with preference for degrees in business, finance, economics, or a related discipline.
6+ years of experience in credit risk management, credit analysis, or lending within commercial or corporate banking, with exposure to cash-flow based borrowers across a diversified set of industries.
Strong financial modeling, accounting, and credit analysis skills, with an ability to assess complex capital structures and risk factors.
Deep understanding of credit products (loans, derivatives, and cash management), credit structures, and associated documentation.
Demonstrated ability to prioritize and execute multiple tasks under tight deadlines, maintaining high quality and attention to detail.
Excellent verbal and written communication skills, with an aptitude for influencing outcomes across various levels and functions.
Track record of fostering teamwork, developing talent, and supporting diversity and inclusion initiatives.
Experience in a banking environment preferred including syndicated credit facilities, financial sponsor-affiliated transactions, and leveraged financing.
Advanced degree (MBA, CFA, or similar) is an asset.
Direct experience with Canadian diversified, cash-flow clients.
Familiarity and experience working with large language models and related artificial intelligence tools.
Familiarity with process improvement and change management initiatives.

Skills

Credit Risk Management
Credit Analysis
Lending
Financial Modeling
Accounting
Risk Assessment
Credit Products
Credit Structures
Documentation
Communication Skills
Teamwork
Talent Development
Diversity and Inclusion Initiatives
Syndicated Credit Facilities
Financial Sponsor-Affiliated Transactions
Leveraged Financing
Large Language Models
Artificial Intelligence Tools
Process Improvement
Change Management

Experience Level

6+ years of experience

Education Level

Bachelor's degree or higher
MBA, CFA, or similar (preferred)

About the Company

JPMorganChase is one of the oldest financial institutions, offering innovative financial solutions to millions of consumers, small businesses, and prominent corporate, institutional, and government clients under the J.P. Morgan and Chase brands.
With a history spanning over 200 years, the firm is a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing, and asset management.
J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services, and payments, serving clients in over 100 countries.
The Commercial & Investment Bank provides strategic advice, raises capital, manages risk, and extends liquidity globally.

Equal Opportunity

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.