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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.
The position is for a Credit Risk Vice President within the Corporate Client Banking & Specialized Industries – Oil & Gas and Renewable Energy Group, which focuses on companies across the energy value chain in the North America. These companies are active users of traditional corporate banking services, investment banking products and project finance. The work environment is dynamic and fast-paced, a reflection of the industries and clients the team supports.
You will be the primary credit risk manager for a portfolio of corporate banking clients and transactions. In this capacity, you will work in partnership with coverage banking officers, syndications, and other partners to risk grade borrowers, analyze and approve credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. You will also be responsible for on-going monitoring and risk management of an assigned portfolio of credit.
Risk Assessment
Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio
Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
Lead and/or participate in client due diligence and transaction negotiations
Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
Credit Approval Process
Apply corporate finance and accounting expertise to develop appropriate financing structures
Prepare credit approval materials, ensure all credit risk policies are followed, and present and recommend credits for approval at the appropriate level
Analyze and negotiate financing terms and conditions as part of a deal team
Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval
Portfolio Management
Provide a well-researched and thoughtful risk assessment of each assigned client on an ongoing basis
Ensure risk ratings are accurate and reflect a current forward-looking view of the client
Provide early identification and proactive management of deteriorating credits and other problem situations
Analyze, prepare, and present for approval all required waivers, amendments, and extensions
Prepare and present semi-annual portfolio review material to senior management
Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements
Work closely with Credit Support Specialists to ensure accuracy of credit system data
Minimum Skills, Experience and Qualifications
We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.
Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills
Strong interpersonal and communication skills
Independently productive; able to operate at a highly effective level with minimal day-to-day managerial direction
Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
Minimum of 6 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing. Experience working on Sponsor transactions is a plus.
BA/BS degree is required, MBA and/or CFA is preferred
About Us
Across JPMorgan Chase, we serve millions of customers and many of the world’s most prominent corporate and government clients. Our mission is to build a stronger, more equitable economy, and we strive to make a positive impact everyday with our customers in their communities. We are proud of our reputation as one of the world’s most admired companies and we know that it’s our people who make us successful. We are committed to a diverse and inclusive workplace where our employees are welcomed, valued and able to bring their authentic selves and best work forward.
JPMorgan Chase & Co., 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 recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants’ and employees’ religious practices and beliefs, as well as any mental health or physical disability needs.
The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the “WELL Health-Safety Rating” for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.
As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm’s current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm’s vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, discretionary incentive compensation which may be awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
Equal Opportunity Employer/Disability/Veterans
