Credit Risk - Executive Director - Credit Decisioning Unit

About the role

The Credit Decisioning Unit (CDU) is the first-line credit risk function within the Business Banking Group. The CDU establishes the analytical frameworks, underwriting standards, portfolio risk assessment methodologies, and credit policy infrastructure that govern the Group's lending decisions across its wholesale client base. As a Credit Risk Executive Director in Credit Decision Unit, you will evaluate a complex credit, chair a credit policy working group, and present portfolio risk findings to senior leadership.

Job responsibilities

• Provide senior credit judgment on complex, non-standard, and exception-level wholesale credits across SME C&I, not-for-profit, and small government obligor segments.
• Design and own the CDU's wholesale credit underwriting frameworks, including segment-specific policies for SME, C&I, not-for-profit, and small government borrowers — establishing the criteria, analytical tools, and decision standards that govern credit decisions across the broader underwriting team.
• Determine portfolio concentration limits and drive the integration of economic profitability into the credit decisioning framework.
• Lead retrospective portfolio studies and performance analyses to assess whether origination practices are producing the risk-adjusted outcomes the Bank intends — and to identify where underwriting standards require recalibration.
• Develop and manage early warning and watchlist frameworks for the wholesale portfolio, with a particular focus on obligor types subject to structural revenue risk (not-for-profit, government-dependent, and campaign-reliant borrowers).
• Represent the CDU's wholesale credit function in senior forums including the Credit Committee, CRO leadership team, and Business Banking Group executive leadership — presenting findings, policy recommendations, and portfolio risk views with credibility and precision.
• Partner with Finance, Pricing, and Capital Management to ensure that credit decisions are evaluated through the lens of economic profitability and risk-adjusted return.
• Guide CDU credit analysts in data-driven studies to assess Portfolio posture and health and perform ad hoc analyses.

Required Qualifications, Capabilities, And Skills

• 10+ years of progressive experience in commercial, wholesale, or business banking credit, with demonstrated leadership responsibility for credit decisions, policy development, or portfolio risk management.
• Proven ability to underwrite and evaluate complex credits at the individual deal level across multiple obligor types — including detailed financial statement analysis, cash flow assessment, collateral evaluation, and covenant structuring.
• Direct experience designing or materially contributing to credit frameworks, underwriting policies, or risk decisioning standards — moving beyond individual deal work to define how a credit function evaluates risk systematically.
• Demonstrated experience managing or analytically overseeing a balanced wholesale credit portfolio, with fluency in portfolio-level risk metrics including concentration analysis, default rate analysis, loss forecasting, and risk appetite translation.
• Strong command of economic profitability concepts — risk-adjusted pricing, return on regulatory capital, SVA vs. NPV trade-offs — and the ability to integrate profitability analysis into credit recommendation and portfolio strategy.
• Demonstrable track record of engaging constructively with senior management, regulators, or second-line risk functions — presenting credit views with clarity, defending positions under scrutiny, and influencing decisions through analytical credibility rather than positional authority.

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, 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.