Credit Risk Director - Government Risk, Executive Director

JP Morgan Chase

Commercial Banks, Retail Banks

San Francisco, CA - USA

Vice President

Experteer Overview

In this Executive Director role, you will lead the Government Risk team within Commercial Banking Risk to guide credit decisions and portfolio health. You drive independent credit views, structuring, and negotiations for complex transactions, and maintain strong risk controls. You will mentor colleagues and partner with senior stakeholders to ensure responsible growth. This position leverages your municipal risk expertise to shape risk policy and outcomes at scale.

Responsibilities

Lead credit analysis, financial modeling, and structuring of new transactions and portfolio management
Develop and communicate independent views on credit decisions to stakeholders and senior leadership
Oversee negotiations and legal documentation for bilateral, syndicated, and institutional loan structures
Assess risks and mitigants, manage renewals and amendments, and maintain credit reporting metrics
Ensure accurate, forward-looking risk ratings, proactively manage deteriorating credits, and maintain a strong control environment
Serve as an expert on structuring, credit policy, and municipal risk issues
Mentor and coach team members, embrace change, and contribute to organizational improvement

Key requirements

Bachelor's degree required
Completion of major bank credit training or equivalent experience; strong understanding of bank credit policies
Minimum 10 years' experience in commercial banking/lending, including credit analysis, structuring, loan documentation, and municipal sector emphasis
Superior credit, accounting, corporate finance, analytical, and financial modeling skills
Solid knowledge of bond and loan documentation and negotiation of complex credit agreements including Master Trust Indentures and Bond Resolutions
Strong interpersonal, communication, and attention to detail skills
Excellent organizational, analytical, and project management abilities; adept at managing multiple priorities
Proven ability to build collaborative relationships and foster teamwork
Quick learner with intellectual curiosity and initiative; able to perform well under pressure
Preferred: Deep understanding of municipal risk across multiple states and impact of federal policy on local outcomes