Credit Ops Analyst I - Credit Card Lending

Job Description
Do you have a passion providing a best-in-class experience for customers and employees? Our Card Lending Services Team has an excellent opportunity for an individual with proven commercial underwriting abilities.
As a Credit Ops Analyst I-Commercial Credit Card Lending within Card Lending Services, you will review and underwrite existing commercial credit requests along with focusing on credit quality and risk assessment. You will work with commercial credit applications along with interfacing and building strong working relationships with internal partners such as Business Bankers, Business Development and Risk Policy is another important component of the role.
Job Responsibilities:

• Perform spreading of business financial statements/tax returns, perform ratio analysis, complete risk assessment and make sound credit decisions and recommendations via written and verbal presentations
• Execute and support recommendations when challenged and in negotiating counteroffers, where appropriate
• Perform underwriting commercial requests for lines of moderate to large size and complexity with limited guidance required from immediate manager. Proficient in credit/lending transactions and analytical skill sufficient to enable independent judgement
• Perform investigations, recommend and initiate process improvements
• Perform high line review on business card portfolio including CL, J&S and PL accounts.
• Perform portfolio management responsibilities to include proactive identification of credit trends and weaknesses, completion of periodic and annual credit reviews and initiating collections activity in connection with overall business relationship management
• Complete commercial credit analysis to determine credit worthiness and adjusts credit limits accordingly.

Required qualifications, capabilities and skills:

• 3 years commercial credit lending experience
• Computer skills specific to Microsoft products and proprietary systems
• Experience with credit analysis and credit decision making
• Experience in supporting recommendations when challenged and in negotiating counteroffers, where appropriate
• Strong analytical and problem-solving skills
• Successful completion of a major corporate bank commercial training program (or the equivalent corporate banking/corporate finance or accounting experience)

Preferred qualifications, capabilities and skills:

• Bachelor's degree in a business-related discipline

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.