Risk Management - Home Lending Originations Risk Lead Credit Officer - 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 judgment 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.

As an Originations Risk Lead Credit Officer within the Home Lending Credit Risk team, you will evaluate and identify risks during ongoing surveillance of Agency (Fannie Mae and Freddie Mac) initiatives as well as other investor and insurer guideline changes. You will operate in a dynamic and fast-paced environment, upholding risk governance through policy updates, stakeholder approval, and controlled implementation. You will be part of a highly collaborative team that prioritizes researching, learning, professional development, inclusivity, and mentorship.

Job Responsibilities:

• Represent Risk in various capacities with all business stakeholders while ensuring core Risk principles are clearly conveyed and enforced
• Monitor trends of both Originations and Portfolio Performance metrics and Quality Review/Audit findings to allow for development of actions that proactively (or in some cases, reactively) mitigate risk
• Research, develop, and implement Home Lending guidelines
• Utilize adept risk analysis to review proposed and recent investor guideline changes which leads to researching, developing, and recommending Guideline actions that may act as overlays to insurer guidance
• Perform in a leading role for the Agency Working Group meeting process
• Present frequently to senior management and Risk Committee audiences
• Support detailed drafting, editing and communication needs for Originations Risk
• Maintain a comprehensive understanding of processes and systems for both Consumer and Correspondent Originations, tailoring risk oversight to each channel
• Use approved internal AI/automation tools to accelerate surveillance, impact analysis, drafting, and test case creation while maintaining documentation and controls
• Support audit and exam readiness, proactively address findings, and close action plans on time
• Review individual loan transactions to find and illustrate trends that should be escalated for (potential) action

Required qualifications, capabilities, and skills:

• Minimum of 10 years of current and relevant mortgage lending experience
• Strong verbal, written, and presentation skills required; must be able to communicate with impact and build rapport with diverse audiences and levels of management.
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Comfort with data monitoring: trend analysis, QC/audit findings, early performance indicators
• Ability to think through situations to reach timely, high quality and actionable decisions
• Proficiency in Microsoft Teams, Outlook, Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Preferred qualifications, capabilities, and skills:

• Focus in Policy mortgage lending experience preferred
• Experience with digital underwriting, automation, and AI tools
• Data mining skills to obtain and interpret ad-hoc loan transaction populations
• Subject matter expert for current Chase product offerings

About Us

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 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.

Equal Opportunity Employer/Disability/Veterans

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.

For many, owning a home is the ultimate dream and we’re here to help customers make responsible choices throughout the home buying process through our online tools and advice. Whether purchasing a first home or vacation home, refinancing an existing loan or tapping into a home equity line of credit, we offer comprehensive services to help homeowners at every stage of their journey.