Risk Management - Leveraged Finance - Lead Credit Officer

Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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 Diversified Industries team, you will lead the credit origination and portfolio management of non-investment grade / leveraged companies. The Diversified Industries team covers clients in the Commercial and Investment Bank (CIB). You will lead the structuring and underwriting of new lending activities, analyze and approve other credit requests, facilitate regulatory monitoring and perform on-going portfolio monitoring. In each capacity, the Credit team works in partnership with Investment Banking Coverage, Global Corporate Banking, Debt Capital Markets and many other product partners to meet the needs of clients. You will report to a senior Credit Executive and will be supported in day-to-day work by a dedicated team of Analysts and Associates. 

Job Responsibilities   

• Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio, and develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, industry and other factors
• Develop a broad and deep understanding of the business, financial, competitive and industry risks faced by clients in the assigned portfolio
• Lead and/or participate in client due diligence by way of attending client, bank and other meetings to develop a better understanding of client companies, management teams, and industry sectors
• Utilize financial models to incorporate the impact of forward-looking risk assessment on key value drivers, ultimately developing and recommending appropriate credit structures relative to risk assessment
• Apply corporate finance and accounting expertise to develop appropriate financing structures, and prepare and review credit approval materials, ensuring all credit risk policies are followed
• Review and negotiate legal documentation to ensure terms are appropriate and consistent with credit approval
• Ensure risk ratings are accurate and reflect a current forward-looking view of the client, while providing early identification and proactive management of deteriorating credits and other problem situations
• Prepare and present quarterly financial snapshot of the Diversified Industries portfolio, as well as annual portfolio review materials to senior management
• Assist in training, mentoring and developing junior talent to enhance the perormance of the broader team 
• Work closely with analysts and our middle office and data teams to ensure accuracy of credit system data

Required Qualifications, Skills and Capabilities

• Bachelor's degree 
• Minimum of 5 years of commercial/investment banking lending experience including extensive credit, structuring and marketing
• Possesses a solid understanding of financial products, corporate finance, financial modeling and market dynamics
• Advanced knowledge of financial statements and accounting
• Experience with documentation related to credit agreements
• Knowledge/experience of derivative products and documentation (including ISDA and CSA)

Preferred Qualifications, Skills and Capabilities

• MBA degree
• Excellent communication skills, both verbal and written
• Ability to effectively present analysis and interact with key stakeholders
• Capability to perform due diligence and negotiation with clients
• Ability to perform well under pressure in a demanding environment managing multiple tasks at the same time

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 achievement