Credit Officer, Vice Present - Asset Based Lending

JPMorgan Chase & Co.; Georgia; On-site; USD 170,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. is seeking a Lead Credit Risk Manager – Vice President on the Asset Based Lending team in Georgia.

You will manage a portfolio of Commercial and Specialized Industries clients with Asset Based loans, coordinating with C&SI bankers, ABL Originators and product partners to structure and approve complex credit facilities. The role requires senior-level credit risk expertise, strong financial modeling, and leadership to guide junior team members while maintaining regulatory and

Qualifications

• Bachelor's degree is required.
• 5+ years of experience in commercial banking, credit risk, portfolio management and underwriting.
• Strong understanding of capital markets, financing structures, derivatives and cash management products.
• Excellent communication skills, written and verbal.
• Ability to multitask in a fast-paced environment; strong interpersonal skills.
• Proficiency in Microsoft Excel, Word, PowerPoint and Outlook.

Responsibilities

• Lead all aspects of the credit relationship, including credit analysis, financial modeling and coordinating credit approval for all products including loans, derivatives, leases and cash management.
• Proactively support and enhance client relationships.
• Assign and assess internal ratings and risk mitigation; recommend changes in structure or account management strategy.
• Provide leadership in structuring and negotiating Credit Agreements, amendments and waivers.
• Interpret collateral appraisals and field exams; monitor collateral trends and liquidity.
• Coordinate with Banking Teams and product partners; maintain internal credit files.
• Communicate with Senior Management and respond to regulatory requests.
• Train and mentor junior team members.

Skills

Credit risk management

Credit analysis

Financial modeling

Negotiation & structuring

Communication skills

Excel

Word

PowerPoint

Outlook

Education

Bachelor's degree

Accounting or Finance background

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Outlook

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 Lead Credit Risk Manager -Vice President on the Asset Based Lending team, you are responsible for managing an assigned portfolio of Commercial and Specialized Industries clients who have Asset Based loans and all other related exposure. Credit Risk Managers lead the client credit relationship with C&SI bankers who manage the overall relationship along with ABL Originators. In this role you will have extensive interaction with clients, other product partners, internal and external legal counsel, lenders, consultants and investors.

Job Responsibilities

• Lead all aspects of the credit relationship, including credit analysis, financial modeling and coordinating credit approval for all products including loans, derivatives, leases and cash management
• Proactively support and enhance client relationships
• Assign and assess internal ratings, risk assessment and risk mitigation. Recommend changes in structure or account management strategy to address negative trends. Assess monthly, quarterly and annual financial statements and borrowing base reporting
• Provide leadership in structuring and negotiating Credit Agreements, amendments and waivers. Manage and monitor loan products including affirmative, negative and financial covenant compliance. Manage ongoing communication with bank group members as well as with other team members.
• Interpret collateral appraisals and field exams. Ongoing monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues
• Effectively challenge Banking Teams, partner with Debt Capital Markets, Treasury Services, Leasing, Derivatives and Loan Operations
• Communicate with Senior Management, respond to regulatory requests and maintain internal credit files
• Train and mentor junior team members

Required Qualifications, Capabilities and Skills

• Bachelor's degree, required
• 5+ years of experience in commercial banking, credit risk, portfolio management and underwriting
• Strong understanding of capital markets, financing structures, derivatives and cash management products as well as related documentation
• Excellent communication skills - both written and verbal
• Ability to multitask in a fast paced environmentStrong interpersonal and relationship development skills
• Proficiency in Microsoft Excel, Word, PowerPoint and Outlook

Preferred Qualifications, Capabilities and Skills

• Bachelor's degree in Accounting or Finance, preferred
• Asset Based financing knowledge strongly preferred
• Formal credit training