Risk Management

2 months ago


Houston, Texas, United States JPMorganChase Full time

Job Description
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 Credit Risk Vice President within the Corporate Client Banking & Specialized Industries - Oil & Gas and Renewable Energy Group, you will focus on companies across the energy value chain in the North America. These companies are active users of traditional corporate banking services, investment banking products and project finance. The work environment is dynamic and fast-paced, a reflection of the industries and clients the team supports.
You will be the primary credit risk manager for a portfolio of corporate banking clients and transactions. In this capacity, you will work in partnership with coverage banking officers, syndications, and other partners to risk grade borrowers, analyze and approve credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. You will also be responsible for on-going monitoring and risk management of an assigned portfolio of credit.
Job responsibilities

  • Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio
  • Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
  • Lead and/or participate in client due diligence and transaction negotiations
  • Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
  • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
  • Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
  • Analyze and negotiate financing terms and conditions as part of a deal team
  • Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval
  • Ensure risk ratings are accurate and reflect a current forward-looking view of the client
  • Provide early identification and proactive management of deteriorating credits and other problem situations
  • Analyze, prepare, and present for approval all required waivers, amendments, and extensions

Required qualifications, capabilities and skills

  • Prepare and present semi-annual portfolio review material to senior management
  • Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements
  • Work closely with Credit Support Specialists to ensure accuracy of credit system data
  • Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills
  • Strong interpersonal and communication skills
  • Independently productive; able to operate at a highly effective level with minimal day-to-day managerial direction
  • Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
  • At least 6 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing.
  • BA/BS degree is required

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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