Credit Review Audit Associate

Job Description
This role is for an experienced credit risk professional to join the Credit Review group within Internal Audit. This role offers you exposure to senior executives outside of Internal Audit and across the firm.
Job Summary
As a Credit Review Audit Associate within our Credit Review group in Internal Audit Department, you will have the opportunity to assist the Credit Review Officers and Managers in evaluating consumer credit portfolios and performing periodic credit reviews. You will work with members of the Credit Review team to analyze loan transactions and perform assessments of underwriting and portfolio management to independently opine on the adequacy of underwriting, credit decisions, and effectiveness of the credit management process supporting credit quality. Between periodic reviews, you will assist other team functions which include but are not limited to independently monitoring credit risk trends within certain consumer lending portfolios and developing ideas to create efficiencies within the current processes.
Job Responsibilities

• Assist in periodic credit reviews which includes analyzing the credit underwriting quality of individual and automated transactions, recording test results and conclusions in a work paper database, and participating actively in all review meetings.
• Performing continuous monitoring of assigned portfolios to assess credit risk trends, credit performance, business activities, industry events and regulatory changes for identification of emerging themes and impacts to credit quality.
• Develop and managing relationships with senior leaders and stakeholders while maintaining independence.
• Apply firmwide risk policy, credit procedures, and Credit Review policies and procedures consistently.
• Communicate using verbal and written communication and interpersonal skills required with ability to present complex issues to management.
• Establish and maintain a business climate and culture that encourages integrity, respect, excellence and innovation.

Required qualifications, capabilities and skills

• Minimum 7+ years of retail credit experience, with a background in credit underwriting, quality control, quality assurance, and/or credit risk management
• Bachelor's degree in accounting, Finance, Economics, or a related discipline.
• Knowledge of Auto Finance, Business Banking, Card Services, Mortgage Lending or similar underwriting principles.
• Demonstrated understanding of credit risk management, retail credit principles, financial analysis, and advanced analytical skills.
• Excellent verbal and written communication and interpersonal skills required with ability to present complex and sensitive issues to management.

Preferred qualifications, capabilities and skills

• MBA or Chartered Accountant with retail credit background is preferred, but not necessary.
• Previous Credit Review experience is preferred, but not necessary.
• Previous work experience with a U.S. banking institution is preferred, but not necessary.
• Proficiency with analytics toolsets including databases, Tableau, and data visualization applications.
• Enthusiastic, self-motivated, effective in a dynamic fast-paced environment and willing to take personal risk, responsibility, and accountability.
• Proven ability and desire to learn quickly, be flexible, and think strategically while managing multiple tasks concurrently, with a high sense of urgency.
• Works well individually and in teams, shares information, supports colleagues, and encourages participation.

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 professionals in our Corporate Functions cover a diverse range of areas from finance and risk to human resources and marketing. Our corporate teams are an essential part of our company, ensuring that we're setting our businesses, clients, customers and employees up for success.
The Audit department provides independent assessments to evaluate, test and report on the adequacy and effectiveness of our governance, risk management and internal controls. The team's priorities are focused on strong governance, transparency, strategic engagement, and fostering a diverse and inclusive culture that develops our talent.