Lead Credit Officer, Vice President - Asset Based Lending

Aumni; Irvine (CA); Híbrido; USD 120 000 - 210 000; Tempo integral

Vantagens oferecidas por esta oferta de emprego

Health coverage

On-site wellness centers

Retirement savings plan

Backup childcare

Tuition reimbursement

Mental health support

Financial coaching

Resumo da oferta

JPMorgan Chase & Co. in Irvine, CA is seeking a Lead Credit Officer in Asset Based Lending to oversee a portfolio of corporate clients, lead risk assessment and credit structuring, and collaborate with cross-functional teams in risk management and compliance.

You will manage client relationships, perform due diligence, and monitor collateral trends while mentoring junior staff in a fast-paced environment.

Qualificações

• Minimum 5 years' experience in commercial banking, credit risk, and portfolio management with Asset Based Lending financing knowledge.
• Bachelor's degree required.
• Strong understanding of capital markets, financing structures, derivatives and cash management.
• Excellent communication and presentation skills, written and verbal.

Responsabilidades

• Manage portfolio of ABL clients, monitor financial performance trends and covenant compliance.
• Perform due diligence for loans, derivatives, leases, and cash management.
• Lead credit structuring and negotiations; support amendments and waivers.
• Mentor junior team members.
• Communicate with Senior Management and respond to regulatory requests.

Conhecimentos

ABL financing knowledge

Credit risk

Portfolio management

Excel proficiency

Communication

Formação académica

Bachelor's degree

Ferramentas

Microsoft Office

Descrição da oferta de emprego

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 Lead Credit Officer in Asset Based Lending Credit Risk, you will be part of the firm’s risk governance framework and a critical member of the risk management team. The Asset Based Lending team primarily provides working capital revolving lines of credit and fixed asset loans to corporate clients. Credit Officers on the Investment Bank Asset Based Lending team manage a portfolio of accounts and assess new business transactions.

Job Responsibilities

• Manage portfolio of ABL clients, monitor financial performance trends, borrowing base trends, and covenant compliance and lead credit relationship with client and internal stakeholders
• Perform due diligence for loans, derivatives, leases, and cash management including: financial due diligence, financial modeling, field exam, appraisal, and legal diligence
• Assign and assess internal ratings, risk assessment and risk mitigation. Recommend changes in structure or account management strategy to address negative trends.
• Interpret collateral appraisals and field exams. Ongoing monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues
• Lead ABL credit structuring and legal document negotiations, as well as point person on amendments and waivers
• Effectively challenge Banking Teams, partner with ABL Originations and Syndications, Debt Capital Markets, Treasury Services, Equipment Finance, 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

• Minimum 5 years' experience in commercial banking, credit risk, and portfolio management with Asset Based Lending financing knowledge.
• Bachelor's degree.
• Strong understanding of capital markets, financing structures, derivatives and cash management products as well as related documentation.
• Excellent communication and presentation skills - both written and verbal.
• Ability to think critically and multitask in a fast-paced environment.
• Strong interpersonal and relationship development skills.
• Proficiency in Microsoft Excel, Word, PowerPoint and Outlook.
  

Preferred qualifications, capabilities, and skills

The following additional items will be considered but are not required for this role.

• Formal credit training program is a plus.
• Bachelor's degree in Accounting or Finance. This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.

JPMorganChase, 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. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of 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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and or forfeitable equity, awarded in recognition of individual achievements and contributions  … ‑ … ‑ … ‑ … ‑ … … ... … … … … … …...

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 & Co. is an Equal Opportunity Employer, including Disability/Veterans

J.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. Lead Credit Officer managing asset-based lending portfolios, credit risk, loan underwriting, due diligence, and client relationships.