Senior Commercial Credit Officer - Risk & Deal Structuring

JPMorgan Chase; Columbus (OH); Presencial; USD 97.000 - 143.000; Jornada completa

Descripción de la vacante

JPMorgan Chase is seeking a Senior Commercial Credit Officer in the Commercial Solutions group to manage a multi-million dollar loan portfolio and analyze complex credit requests for automotive dealer relationships. You will mentor junior staff, collaborate with bankers, and drive credit decisions that align with company policies and risk appetite.

The role requires deep experience in credit analysis, strong communication skills, and the ability to balance multiple priorities while delivering

Formación

• Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience
• Minimum 3 years commercial credit analysis / automotive captive experience
• Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent
• Superior analytical, interpersonal, analysis, and problem-solving skills with excellent written and verbal communication
• Demonstrated judgment and ability to act decisively
• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks

Responsabilidades

• Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval
• Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis
• Completing obligor and facility risk ratings with documented rationale for the final risk grades
• Proactive, full ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches inventory audits, overline management, and analyzing trends in key dealer metrics
• Mentoring and training of analysts who support portfolio management activities
• Provides leadership and mentorship to Credit Officer I by reviewing their work, developing their portfolio management and credit analysis skills, including them in portfolio communications and deal team discussions, and support their professional growth
• Interacting with clients, virtually or in person, in conjunction with the Banker
• Leading/contributing to special projects related to credit topics and issues
• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving
• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems

Conocimientos

Commercial credit analysis

Financial statement analysis

Cash flow analysis

Credit risk assessment

Leadership/mentoring

Educación

Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience

Descripción del empleo

JPMorgan Chase is seeking a Senior Commercial Credit Officer in the Commercial Solutions group to manage a multi-million dollar loan portfolio and analyze complex credit requests for automotive dealer relationships. You will mentor junior staff, collaborate with bankers, and drive credit decisions that align with company policies and risk appetite.

The role requires deep experience in credit analysis, strong communication skills, and the ability to balance multiple priorities while delivering