John Hogue Email and Phone Number

As the Director of US Client Financial Solutions Group I support the Vice President of Global Commercial Credit Underwriting within the GCC organization. This role is responsible to offer enhanced financial advice services for US commercial clients with high balances and high risk and determine the treatment strategy for these customers including financial analysis and underwriting; debt restructuring; obligor-level case management; and specialized support for clients with business financing and supplier payment products.

As a member of the Business Banking Risk Control team, I help implement an effective control framework across the Business Banking Risk organization with the goal of identifying and remediating control issues. I work in partnership on the development of new, and oversight of existing, control functions, assisting in immediate problem detection and escalation.

The Consumer Credit Review team within JPMC Internal Audit Department is responsible for reviewing the credit process in consumer lending portfolios at the firm. The team focuses on Consumer & Community Banking (Auto Finance, Business Banking, Card Services, Mortgage Banking, Home Equity Lending and Student Loans) and consumer related portfolios within Asset Management. Credit Review Officer leads a team of Credit Review in activities that analyze consumer loan transactions and performs assessments of underwriting and portfolio management to independently opine on the adequacy of credit decisions and key controls supporting credit quality.

- Review and decision small business credit requests up to $10MM for the Tri-State and East regions.- Decision requests within individual credit authority or in conjunction with Credit Delivery Manager. - Independently decisioned $330MM annually.

Promptly review loan requests submitted by Relationship Managers (or "RM"), evaluate trends and potential risks that could impact the customer/prospect's ability to repay the credit extension and identify mitigating factors and/or additional information needs to offset these trends and risks.Interact with the RM (and, on occasion, the customer/prospect) to identify and quantify repayment sources including cash flow, collateral and individual recourse.Clearly communicate progress and/or needs in a timely and precise manner throughout the underwriting process.Proactively develop alternative structures, including SBA enhancements, as appropriate, with a goal of growing loan portfolio while maintaining asset quality.Independently decision requests within individual loan authority of $1.5MM or with the concurrence of the Credit Delivery Manager in cases where credit exposure exceeds individual loan authority.Construct supporting decision analysis, utilize loan grading tools and determine documentation requirements, all chronicled in proprietary software.

Promptly review loan requests submitted by Relationship Managers (or "RM"), evaluate trends and potential risks that could impact the customer/prospect's ability to repay the credit extension and identify mitigating factors and/or additional information needs to offset these trends and risks.Interact with the RM (and, on occasion, the customer/prospect) to identify and quantify repayment sources including cash flow, collateral and individual recourse.Clearly communicate progress and/or needs in a timely and precise manner throughout the underwriting process.Proactively develop alternative structures, including SBA enhancements, as appropriate, with a goal of growing loan portfolio while maintaining asset quality.Independently decision requests within individual loan authority of $1.0MM or with the concurrence of the Credit Delivery Manager in cases where credit exposure exceeds individual loan authority.Construct supporting decision analysis, utilize loan grading tools and determine documentation requirements, all chronicled in proprietary software.

• Assess and respond to client product needs that contain credit risk consistent with bank's credit policies and return considerations and administer a portfolio of Corporate and Institutional credit relationships.• Independently prepare and timely, high quality analytical work used in the credit approval process. • Provide complete offerings for standard lending situations that analyze financial data, assess industry and accounting issues, and evaluate loan structure to determine the creditworthiness and financial condition of clients and approve requests in conjunction with deal team within individual lending authority.• Identify most major credit issues. • Recommend credit structuring and documentation, in partnership with deal team members.

Work with Relationship Managers to manage the credit function of a distressed portfolio.