Risk Management - Lead Credit Officer - Specialty Finance

J.P. Morgan; Chicago (IL); On-site; USD 120,000 - 180,000; Full time

Job summary

Join J.P. Morgan as a Lead Credit Officer - Specialty Finance, where you will oversee risk management for a national portfolio and engage with various stakeholders to analyze and structure credit exposures. Utilize your expertise in commercial banking to drive innovative risk solutions while mentoring junior team members and ensuring compliance with financial regulations.

Qualifications

• 5+ years of experience in Commercial/Corporate banking/lending.
• Strong credit and structuring background.
• Outstanding organizational and project management skills.

Responsibilities

• Oversee ongoing risk management and maintain client understanding.
• Lead due diligence meetings and perform financial analysis.
• Mentor junior resources and manage workloads effectively.

Skills

Credit analysis

Documentation

Project management

Communication

Education

Completion of a major corporate bank credit/analyst training program

Tools

Excel

PowerPoint

Job description

Risk Management - Lead Credit Officer - Specialty Finance

Bring your expertise to JPMorganChase. 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 - Vice President on the Specialty Finance Risk Team, you will be responsible for the risk management of a national portfolio of non-bank financial entities which are focused on residential mortgage originations, commercial/consumer finance, fintech and other financial service industries. You will partner with Securitized Products, Corporate and Investment Bankers, Treasury Services and Traders to analyze, structure, risk grade, and approve credit exposures. You will be an instrumental member of the team that will drive deal documentation negotiations and have responsibility for the on-going risk management.

Job Responsibilities

• Oversee the ongoing risk management of their portfolio which includes maintaining a broad and deep understanding of your clients’ businesses, as well as a current and forward-looking view of the portfolio
• Develop a keen understanding of the residential mortgage finance and other specialty finance markets including key risk and structures and work collaboratively with junior resources and product bankers to develop solutions to the benefit the client and JPMorgan
• Lead due diligence meetings, which may be virtual or at the client's office
• Perform financial analysis to assess the strength of the corporate counterparty and identification of key risks
• Monitor the portfolio to ensure internal risk grades remain accurate and appropriate action is taken to mitigate risk for deteriorating clients
• Engage with coverage bankers and product partners to develop structures appropriate for the risk profile of the client and/or assets to be financed
• Work with business colleagues to assess stress or downside credit scenarios including validating cash flow models (typically Excel-based)
• Review and assist in the negotiation of transaction and trading legal documentation
• Oversee written credit analysis and present recommendations to senior credit officers for approval
• Mentor/guide junior resources and manage workloads, delegate with appropriate guidance and ensure deadlines are understood and met, and where needed, confidently escalate to senior managers
• Lead other ad-hoc projects, as needed

Required Qualifications, Capabilities and Skills

• 5+ years of Commercial/Corporate banking/lending, Asset Based Lending (ABL) or Structured Finance experience including credit, structuring and marketing
• Strong credit, documentation and transaction experience
• Completion of a major corporate bank credit/analyst training program or equivalent experience
• Excellent verbal and written communication skills
• Outstanding organizational and project management skills to balance portfolio management and deal execution responsibilities
• Demonstrated interpersonal skills to collaborate with teammates, bankers, product partners, senior management,and clients
• Strong work ethic with an ability to meet deadlines while multi-tasking

Preferred Qualifications, Capabilities and Skills

• Residential Mortgage, Specialty Finance and/or Securitization experience
• Excellent Excel, PowerPoint and financial modeling skills

About the company

J.P. Morgan is a leader in financial services, offering solutions to clients in more than 100 countries with one of the most comprehensive global product platforms available. We have been helping our clients to do business and manage their wealth for more than 200 years. Our business has been built upon our core principle of putting our clients' interests first.

Notice

Talentify is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, or protected veteran status.

Talentify provides reasonable accommodations to qualified applicants with disabilities, including disabled veterans. Request assistance at [e-mail] or 407-000-0000.

Federal law requires every new hire to complete Form I-9 and present proof of identity and U.S. work eligibility.

An Automated Employment Decision Tool (AEDT) will score your job-related skills and responses. Bias-audit & data-use details: www.talentify.io/bias-audit-report . NYC applicants may request an alternative process or accommodation at [e-mail] or 407-000-0000.