Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient. You help the firm grow responsibly by anticipating new and emerging risks and using sound judgment to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is grounded in thoughtful challenge, strong partnership, and a commitment to best-in-class risk management.
As a Credit Risk Officer (Executive Director) in Risk Management and Compliance based in Bogota, Colombia, you will lead the second line of defense Credit Risk Management function for Commercial & Investment Bank (CIB) clients across Latin America’s Andean Region, Central America, and the Caribbean. You will provide independent oversight and credible challenge on new and existing exposures, ensure decisions align with risk appetite and policy, and escalate key matters through the appropriate governance forums. You will oversee an existing credit portfolio, drive disciplined monitoring and early-warning practices, and develop talent while partnering closely with Coverage, Product, Legal, and control functions.
Job Responsibilities
- Evaluate and manage credit risk in complex transactions, including items requiring elevated approval authority and heightened judgment, delivering clear, well-supported risk recommendations.
- Provide independent second line of defense challenge on new transactions, structures, and amendments, ensuring alignment to risk appetite, underwriting standards, and control expectations.
- Oversee an existing portfolio and drive ongoing monitoring (risk ratings, limits, covenants, early warning indicators, and watchlist/problem-credit processes), recommending and driving timely risk actions as needed.
- Enhance market and portfolio discussions by identifying key risk considerations, highlighting relevant portfolio metrics, and surfacing emerging regional, macro, and industry trends.
- Ensure strong governance and controls by applying relevant policies, standards, procedures, and regulatory requirements across credit analysis, approval, and monitoring activities.
- Partner with internal stakeholders across Coverage, Product, Finance, Legal, and control functions to enable timely, well-informed outcomes while maintaining independent second line of defense stewardship.
- Build and sustain collaborative relationships across Wholesale Credit Risk and with senior stakeholders to support consistent regional execution and effective escalation.
- Implement change and lead strategic initiatives aligned with functional priorities, using an innovation-minded and resilient approach.
- Leverage modern credit technology and data/analytics to strengthen underwriting, monitoring, and decision quality, and drive practical innovation (process simplification/automation, tool adoption, and measurable efficiency or risk outcomes).
- Adopt JPMorganChase-approved AI-enabled productivity tools responsibly (sound judgment, validation, documentation, and control awareness) to improve quality and efficiency across credit risk management processes.
- Develop individuals through active coaching, mentoring, and training to strengthen team capability, succession, and bench.
Required Qualifications, Capabilities, and Skills
- Bachelor’s degree in finance, accounting, economics, or a related discipline (or equivalent experience).
- Fluency in Spanish and English (written and verbal).
- 8+ years of relevant experience in wholesale credit risk, corporate/institutional credit, or investment banking credit, with a demonstrated track record in credit approval processes
- Strong credit and analytical skills spanning qualitative assessment, accounting, corporate finance, and forward-looking risk identification, with the ability to translate complexity into clear risk recommendations and decisions.
- Knowledge of credit products, including loans, derivatives, trade finance, capital markets instruments, and operational credit lines.
- Demonstrated experience evaluating and making credit decisions in a second line of defense capacity, with working familiarity with debt capital markets, mergers and acquisitions, and related process and documentation considerations.
- Proven capability to lead second line of defense engagement on credit documentation negotiation and execution (including covenants, waivers, and amendments) in partnership with Legal and internal stakeholders.
- Strong stakeholder management skills with the ability to influence outcomes across coverage, product, and control partners in a fast-paced environment with multiple concurrent workstreams.
- Excellent written and verbal communication skills, including the ability to clearly articulate credit views and present risk assessments to senior stakeholders and governance forums.
- Sound control mindset and demonstrated adherence to policies, standards, and governance expectations in credit approval and portfolio monitoring.
Preferred Qualifications, Capabilities, and Skills
- Experience covering Latin America (Andean, Central America, and Caribbean) corporate and institutional clients, with practical understanding of regional political, economic, and market dynamics and their implications for credit risk.
- Demonstrated track record leading cross-functional initiatives that improve risk outcomes, operating efficiency, governance discipline, or portfolio management practices.
- Experience driving adoption of technology enhancements and data analytics in credit risk management, including leveraging AI tools to enhance underwriting and portfolio monitoring with disciplined governance.
- Advanced degree or professional certification (e.g., MBA, CFA), or equivalent demonstrated expertise in corporate finance and credit risk.