Risk Management - Credit Risk Director

or both credit approval and management of a team of risk professionals as they work with clients consisting of family-owned businesses, Mid-Cap corporates, and financial sponsor-owned companies. Credit executions include bilateral structures and pro-rata syndications as well as institutional and direct loans. Critical to this role is the ability to develop a broad and deep understanding of the business, financial, competitive and industry risks faced by clients in the assigned portfolio and utilize that view to guide a team in the proper risk grading of borrowers, analysis of credit requests, structuring of credit facilities and negotiation of credit agreements and other loan documentation. Additionally, this role has a major impact on portfolio quality and you will be responsible for implementing the policies and procedures necessary to achieve the mission of the Risk Organization and ensure they are being adhered to on an ongoing basis. The work environment is dynamic and fast-paced, a reflection of the industry as well as the type and size of clients the team supports. Travel is required from time-to-time.

Job Responsibilities

• Utilize excellent credit analysis skills and financial modeling knowledge to independently manage a team in the underwriting and structuring of new transactions and management of their assigned credit portfolios

• Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions and maintain acceptable credit reporting metrics

• Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and defend your position with partners and senior leadership

• Lead complex transactions including negotiations and legal documentation for bilateral and pro-rata syndicated finance structures as well as institutional loan executions

• Work proactively, in a constructive, diplomatic manner, with both internal and external stakeholders to keep transactions moving

• Act with a sense of urgency and drive execution to meet all deadlines and meet clients' expectations

• Partner effectively to develop fulsome client relationships

• Establish yourself as an expert on Structuring and Credit Policy in order to be viewed as the "go-to" person in credit by internal stakeholders and clients alike

• Provide leadership in the market by being a positive contributor to the team, including mentoring and coaching 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

• Minimum 10 years' experience in commercial banking/lending including extensive credit analysis, structuring, loan documentation, and knowledge of ancillary bank products, including cash management and derivatives

• Superior credit, accounting, corporate finance, analytical and financial modeling skills

• Experience underwriting leveraged M&A and sponsor transactions

• Solid understanding of loan documentation and ability to negotiate credit agreements

• Excellent interpersonal and verbal and written communication skills along with strong attention to details

• Excellent organizational, problem-solving, and project management skills with ability to manage competing priorities under tight deadlines

• Proven ability to collaborate and build strong partnerships

• Intellectual curiosity with a prove ability to learn quickly

• Excellent work ethic including ability to take initiative, self-direct, and perform well under pressure

ABOUT US

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 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.

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. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

ABOUT THE TEAM

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.