Credit Operations Manager III

JOB DESCRIPTION

Shape the future of secure client connectivity at J.P. Morgan. Join our team to help deliver industry-leading security solutions and support critical business operations. Unlock your potential by collaborating with experts and driving innovation in risk and control management. Be at the heart of our mission to protect client data and enable seamless digital interactions. Make your mark in a dynamic, growth-focused environment.

Job Summary

As a Credit Operations Manager III (Vice President) within Card Lending Services, you will lead multiple commercial credit analyst teams and the proof of income team. You will manage daily operations, drive process improvements, and ensure high-quality underwriting for business and corporate card requests. You will collaborate with internal partners, develop team talent, and contribute to strategic initiatives that enhance our customer experience and operational effectiveness.

Job Responsibilities

• Supervise daily operations of commercial credit analyst teams and the proof of income team
• Provide direct feedback and coaching to analysts, enhancing underwriting rationale and performance
• Oversee schedule adherence, production standards, turnaround times, and quality metrics
• Conduct in-person and virtual side-by-side reviews to guide team members and improve outcomes
• Manage departmental reporting and review daily, weekly, and monthly performance reports
• Handle inquiry and escalation calls, resolving issues efficiently
• Identify operational efficiencies and recommend process improvements
• Support management in developing and implementing strategies to improve quality and close process gaps
• Build strong working relationships with internal partners, including Business Development and Risk Policy
• Complete ad-hoc projects and requests as needed
• Ensure compliance with regulatory and departmental practices and procedures

Required Qualifications, Capabilities, and Skills

• Minimum five years of commercial operations management experience in business or commercial card lending
• Minimum five years of commercial and business judgmental underwriting experience
• Bachelor's degree in Finance, Economics, Accounting, or related discipline
• Successful completion of a major corporate bank commercial training program or equivalent corporate banking, finance, or accounting experience
• Strong accounting and finance knowledge, with commercial banking experience and thorough understanding of financial statements, balance sheets, income statements, and statements of cash flow
• In-depth understanding of judgmental commercial credit risk assessment and proficiency in commercial underwriting transactions for all industries, line sizes, and complexity
• Superior oral and written communication skills, with proven ability to interact effectively with customers and internal stakeholders at various levels
• Strong analytical and problem-solving skills, with the ability to approach problems logically and make sound decisions quickly and effectively
• Proven track record in coaching, talent development, and managing within a high-paced team environment
• Demonstrated resiliency, adaptability, and results-oriented mindset in a fast-paced setting, with flexibility to adapt to changing volumes, tasks, and priorities
• Proficiency in Microsoft products and proprietary systems, with ability to navigate multiple systems and windows simultaneously

Preferred Qualifications, Capabilities, and Skills

• MBA or advanced degree in a business-related discipline
• Experience in developing and implementing credit policy revisions
• Proven ability to drive operational change and process optimization
• Experience working with cross-functional teams in a large financial institution
• Advanced analytical skills for complex credit scenarios
• Demonstrated success in managing remote or distributed teams
• Experience with commercial card products and services

All application requirements (including updated resume - please include specifics of your career) should be posted, submitted and completed in the Oracle tool.

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 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.

ABOUT THE TEAM

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions – all while ranking first in customer satisfaction.

We offer a broad array of credit cards to meet the needs of individuals and small businesses, including Chase-branded and co-branded cards in partnership with well-known companies and organizations. Merchant Services is a leading provider of payment, fraud and data security for companies, capable of authorizing transactions across global currencies.