Risk Management

3 weeks ago

San Francisco, California, United States JPMorganChase Full time

Job Description

Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real- world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in- class.
As a Commercial Bank Credit Risk, Middle Market Banking & Specialized Industries - Vice President, you are the primary credit risk manager for a portfolio of Middle Market Banking Technology & Disruptive Commerce ("TDC") industry clients, with companies generally between $20 million and $500 million in revenues across a wide variety of industries. In this capacity, the Vice President works in partnership with a team of Technology & Disruptive Commerce bankers and product partners to risk grade borrowers, analyze and approve credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. The Vice President is also responsible for on-going monitoring and risk management of an assigned portfolio of credit clients. Our underwriting team works to structure transactions, while balancing the risk/reward and providing suggestions on how to market structure to the customer.

As a Vice President in Middle Market Banking Specialized Industries Credit Risk, you will partner with a cross functional team delivering an array of solutions that support needs ranging from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. The client base you will work with is broad and includes privately owned businesses, financial sponsors and publicly traded companies. Credit executions range from bilateral structures to the syndicated finance bank market and institutional investor transactions. Critical to this role is the ability to develop a broad and deep understanding of the business, financial, competitive and industry risks faced by clients in the assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, structure credit facilities and negotiate credit agreements and other loan documentation.
The position is in Middle Market Banking and Specialized Industries' organization with a particular focus on Technology & Disruptive Commerce ("TDC") industry clients with revenues between $20mm and $500mm. Clients in each of these sectors are active users of traditional commercial banking services and investment banking products and covered by dedicated bankers dispersed throughout the US. These innovation economy industry verticals are high profile expansion markets that offer underwriters an opportunity to work on a high volume of transactions, in a fast paced and rapidly growing segment of the Commercial Bank.

Utilize excellent credit analysis and financial modeling skills to underwrite and structure new transactions and work independently on the assigned credit portfolio.
Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics.
Form thoughtful, independent views and voice your opinion clearly and concisely. Be comfortable defending that position with partners and senior leadership. Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures.
Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Act with a sense of urgency and drive execution to meet both internal and client deadlines.
Consistently maintain and adhere to internal and externally required regulatory deliverables. Effective partnership to develop fulsome client relationships for both internal partners and clients.
Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization.
Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems.

BA/BS/BBA degree is required
Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures
Minimum of 5-6 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience
Significant accounting and finance knowledge and superior financial modeling skills. Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills
Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills
Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. Proven ability to collaborate and build strong partnerships.
Intellectual curiosity with a proven ability to learn quickly. High degree of initiative, self-direction, and ability to work well under pressure

About Us
JPMorgan Chase & Co., 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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and 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. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans
About the Team
Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.

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