As a Lending Account Manager III within Card Lending Services (CLS), you will have the opportunity to supervise the daily operations of multiple commercial credit analyst teams and the proof of income team. You will be part of a dynamic team managing commercial credit card operations, underwriting business card and corporate liability card requests for our new and existing customers. In addition, you will have the responsibility to manage the proof of income team within CLS, providing a comprehensive and engaging role.

Job Responsibilities:

- Providing direct and professional feedback to commercial credit analysts including secondary deal reviews and providing further enhancement to an analyst’s underwriting rationale. Also, managing day-to-day activities which includes schedule adherence, quality, production, turnaround times and commercial lending process (including financial spreads and underwriting)- Completing in-person or virtual side by sides to provide direct feedback based on an team member’s designated daily tasks while providing guidance to improve turnaround time, quality and overall production- Managing to departmental expectation which include schedule adherence, production standards, turnaround times and quality standard by creating daily reporting- Handle request inquiry and escalation calls, where applicable- Complete and manage to daily/weekly/monthly expectations for production, turnaround times and quality- Review daily, weekly and monthly reports to ensure team consistency- Identify operational efficiencies and provide clear concise recommendations to improve, where applicable- Strong ability to plan, prioritize and execute tasks- Complete ad-hoc projects and requests as needed

Additionally, this manager will help management develop and implement strategies to improve quality by providing feedback regarding trends and making recommendations for revisions to credit policies and/or make recommendations to procedures and proposing ideas to close gaps on missed opportunities and/or process improvements. 

An area within Card Lending Services (CLS), has an excellent opportunity for an experienced commercial manager with proven operational management experience and superior knowledge of commercial card, business card and consumer card underwriting policies.  The selected manager will thrive in a fast-paced developing environment.  Primary responsibilities include managing day to day efforts of a specialized operations teams within CLS.  The ability to interface to build strong working relationships with internal partners such as Business Development and Risk Policy is another important component of the role. 

Required Qualifications, Capabilities and Skills:

Requirements for this position include the following:

Minimum 5 years of commercial operations management experience with a concentration in business card or commercial card lending;Minimum 5 years commercial and business judgmental underwriting experience required;  Successful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience);Possess accounting and finance knowledge, and commercial banking experience;Thorough understanding of judgmental commercial credit risk assessment, including in-depth understanding of financial statements, balance sheets, income statements, and statements of cash flowSuperior oral and written communication skills, with proven ability to interact effectively with customers and internal stakeholders at various levels in the organization;Proficiency in judgmental commercial underwriting transactions and analytical skill sufficient to enable independent development of commercial and business card requests for all industries, line sizes and complexity; Strong analytical and problem-solving skills; Approach problems logically and with good judgement to ensure the appropriate outcome for customers and the firm, making appropriate decisions quickly and effectively;Proven ability to communicate verbally and in writing with internal and external customers and with various levels of management; Strong ability with a proven track record of providing coaching and talent development;Ability to manage within a high-paced team environment; Demonstrate resiliency and adaptability in a fast-paced environmentPossess strong customer focus with the ability to have detailed conversations with our customers, while documenting conversations thoroughly and conciselyAbide by all applicable regulatory and department practices and proceduresBe results-oriented and demonstrate enthusiasm, resilience under stress, and a will-to-win attitudeFlexibility in adapting to changing volumes, tasks and areas of focus; Ability to investigate, recommend and initiate process improvements;Open to change, with the ability to quickly learn new processes and adapt to ever changing environment;Self-starter with strong initiative;Demonstrated strong analytical thinking, sound problem solving, and independent decision- making abilityComputer skills specific to Microsoft products and proprietary systems, including ability to navigate multiple systems/windows simultaneously;

Preferred Qualification:

Bachelor's degree in a business-related discipline (Finance, Economics or Accounting, MBA a plus); 

Internal Application Eligibility Requirements

TENURE:
Must meet minimum employment tenure requirement. Specific roles require longer tenure in current position to be eligible to apply. Unless established for specific positions by the line of business, the standard tenure requirement is 12 months.

PERFORMANCE:
Meets satisfactory performance standards as defined by the firm

By submitting an application and/or joining the interview, you affirm to meet the Internal Application Eligibility Requirements as stated in the Applying for Internal Positions Firmwide Standard and you are qualified for the position of interest. You are expected to provide true and accurate information to the Company during the recruitment and application process. Knowingly giving false or misleading information shall be subject appropriate corrective action, following the firm’s HR Policies and Guidelines.

Consult your Manager for any specific guidelines for your line of business or if you’re unsure about your eligibility for an internal application.  

Make sure your profile is updated in the new me@jpmc>Hiring and discuss internal mobility plans with your Manager at the soonest time possible.  Attaching your updated resume is encouraged.

In partnership, Hiring Managers and Recruiters will review applications to determine which candidates best meet the required skills and experience specified in the job description. While not every application will result in an interview, applications will be acknowledged.