1+ months

JPMorgan Chase & Co.
Wilmington, DE 19801
  • Job Code

Credit Review Associate for Credit Card Services – Senior Associate

Job Description

JPMorgan Chase’s (JPMC) Credit Review Groups are led by the Global Head of Credit Review, reporting through the General Auditor to the Audit Committee of the Board of Directors and is further accountable to the Chairman and CEO, senior management, and external regulators.


The Consumer Credit Review group is responsible for reviewing the credit process in retail lending (non-risk graded) portfolios at the firm.  The group focuses on Consumer & Community Banking (Auto Finance, Business Banking, Card Services, and Home Lending) and consumer-related portfolios within Asset & Wealth Management.


The Consumer Credit Review teams perform independent reviews of JPMC retail loan portfolios that include an evaluation of the adequacy and accuracy of lending decisions, consistent application of risk policy and credit procedures, analysis of underwriting standards and practices, and determining through ongoing monitoring the overall assessment of asset quality.  Furthermore, the team assesses whether sufficient controls are in place to mitigate credit risk to the firm. 


This position is responsible for assisting the Credit Review Officers and Manager in evaluating the firm’s credit card portfolios.  The Credit Review Associate will work with members of the Credit Review team to analyze consumer and/or small business credit card transactions and perform assessments of credit card underwriting, portfolio management, and credit risk management.  Through these review activities, the team will independently opine on the adequacy of underwriting analysis, appropriateness of credit decisions, and effectiveness of the credit management process supporting credit quality.  Between periodic credit reviews, the Credit Review Associate assists with other team functions, such as independently monitoring credit risk trends within certain credit card portfolios and partnering with our Data Analytics & Solutions professionals to support innovation.  This position will report to the Credit Review Manager of Card Services and is located in Wilmington, DE.



  • As team member, the Credit Review Associate will participate in reviews led by Credit Review team members.  This includes analyzing the credit underwriting quality of individual transactions, recording test results and conclusions in a work paper database, and participating actively in all review meetings.
  • Perform continuous monitoring of credit card portfolios.
  • Collaborate with team members.
  • Serve as an information resource on credit cards, consumer credit risk, and policy.
  • Ensure consistent application of firmwide risk policy, credit procedures, and Consumer Credit Review policies and procedures.
  • Complete special projects and research as assigned by the Credit Review Manager.



  • Experienced credit professional with a minimum of five years credit card experience, preferably with a background in credit card underwriting and/or credit risk management.
  • Credit card industry experience.
  • Knowledge of credit card underwriting principles.
  • Ability to re-underwrite consumer or small business credit card credit decisions using original electronic source documents or data.
  • Previous Credit Review experience is preferred, but not necessary.
  • Minimum Bachelor's degree in Accounting, Finance, Economics, or a related discipline.
  • Demonstrated understanding of credit card principles, financial analysis, and strong analytical skills.
  • Good verbal and written communication and interpersonal skills with ability to present complex and sensitive issues.
  • Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to take personal risk, demonstrates 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.
  • Travel requirement is limited.

Req #: 190099039
Location: Wilmington, DE US
Job Category: Credit
Employment Type: Full Time
Potential Referral Amount: 3000 US Dollar (USD)

Keyword: home%20lending


Posted: 2019-11-04 Expires: 2020-02-13

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JPMorgan Chase & Co.
Wilmington, DE 19801

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