Senior Commercial Credit Leader: Risk & Structuring

Testing Site - JPMC; Columbus (OH); On-site; USD 140,000 - 190,000; Full time

Job summary

JPMorgan Chase in the United States is seeking a Lead Commercial Credit Officer within Risk Management and Compliance to analyze commercial loans and structure transactions aligned with policy. You will manage a large, complex portfolio including floorplan lines of credit, real estate, and acquisition lending for franchised dealers.

You will own the credit process, perform annual reviews, mentor analysts, and collaborate with bankers to move transactions forward while communicating clearly with

Qualifications

• bachelor of arts in finance, accounting, business administration, economics, or MBA or equivalent work experience
• 7+ years commercial credit analysis / automotive captive experience, with knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, franchise value analysis, loan structuring, and market
• Hands-on experience analyzing commercial loans to franchised auto dealerships, including floor plan, real estate, and acquisition lending
• Superior analytical, interpersonal, analysis, and problem-solving skills with excellent written and verbal communication including presenting to executive-level management
• Demonstrated judgment and ability to act decisively
• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks

Responsibilities

• Utilizing excellent commercial credit skills to prepare written credit reviews assessing opportunities and risks with structures to mitigate risks including covenants, terms, and conditions for approval
• Determining capacity of operating entities to repay obligations through analysis of financial statements and cash flow
• Completing obligor and facility risk ratings with documented rationale for final risk grades
• Owning portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and trend analysis of dealer metrics
• Mentoring and training analysts who support portfolio management activities
• Interacting with clients, virtually or in person, with Bankers
• Leading/contributing to special projects related to credit topics and issues
• Working proactively with internal and external contacts to keep transactions moving
• Demonstrating excellent communication to solve problems

Skills

Commercial credit analysis

Automotive captive experience

Credit risk analysis

Financial statement analysis

Cash flow analysis

Loan structuring

Executive-level communication

Mentoring analysts

Education

Bachelor/MBA in Finance/Business

Job description

JPMorgan Chase in the United States is seeking a Lead Commercial Credit Officer within Risk Management and Compliance to analyze commercial loans and structure transactions aligned with policy. You will manage a large, complex portfolio including floorplan lines of credit, real estate, and acquisition lending for franchised dealers.

You will own the credit process, perform annual reviews, mentor analysts, and collaborate with bankers to move transactions forward while communicating clearly with