Risk Management - Lead Credit Officer - Vice President

Testing Site - JPMC; Charlotte (NC); On-site; USD 140,000 - 200,000; Full time

Job summary

JPMorgan Chase in Charlotte, NC seeks a Lead Credit Officer on the Middle Market Banking and Specialized Industries Risk team to analyze and structure financing solutions for clients ranging from middle-market firms to sponsors.

You will lead complex transactions, mentor teammates, and partner with internal and external stakeholders to manage risk and deliver credit strategies in a fast-paced environment.

Qualifications

• 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.
• At least five 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.

Responsibilities

• Utilize excellent credit analysis and financial modeling skills to analyze 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 well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend 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.
• Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go-to” person for credit by 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.

Skills

Credit analysis

Financial modeling

Loan structuring

Negotiation

Client interaction

Risk assessment

Communication skills

Mentoring

Education

BA/BS/BBA degree

Job description

Bring your expertise to JP Morgan 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 on the Middle Market Banking and Specialized Industry Credit Risk team, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family-owned businesses, financial sponsors and some publicly traded companies. You will be responsible for analyzing and structuring new financing solutions as well as ongoing portfolio management in support of a range of needs with execution on both a bilateral basis and in the syndicated finance market. Additionally this position involves extensive interaction with clients, internal partners, legal counsel, and other lenders, etc. This role supports Middle Market Banking and Specialized Industries for the Carolinas region which covers companies generally between $20 million and $2 billion in revenues across a wide variety of industries.

Job Responsibilities

• Utilize excellent credit analysis and financial modeling skills to analyze 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 well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend 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.
• Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go-to” person for credit by 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.

Required qualifications, capabilities and skills

• 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.
• At least five 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.