Risk Management - Lead Credit Officer- Vice President

Bring your expertise to JPMorgan Chase. 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.

As a Lead Credit Officer - Vice President in Commercial and Specialized Industries Risk you will collaborate with a cross-functional team to deliver credit solutions that support companies financing needs including working capital general corporate purposes acquisition finance and dividend recapitalizations. You will work with privately-held and publicly-traded companies family-owned businesses and financial sponsors. This risk management position supports the Northeast segment and covers companies across diversified industries with revenues ranging from $20 million to $2 billion. Credit executions include bilateral structures syndicated deals institutional loans and direct lending. A critical aspect of this role is the ability to develop and communicate a comprehensive understanding of the business financial and industry risks faced by clients and prospects in the assigned portfolio. You will utilize this insight to accurately risk grade borrowers analyze credit requests structure credit facilities and negotiate credit agreements and other loan documentation.

Job Responsibilities

• Utilize excellent credit analysis and financial modeling skills to perform due diligence and underwrite and structure new transactions while maintaining an appropriate balance between risk and reward
• Lead complex and time-sensitive leveraged finance transactions and LBOs including the negotiation of legal documentation for bilateral pro-rata broadly syndicated and direct lending structures
• Manage the assigned credit portfolio on an ongoing basis while ensuring data integrity
• Assess and process risk rating changes in a timely manner
• Use critical reasoning to develop well-considered credit views taking into account company-specific and industry risks
• Communicate and defend credit views to internal stakeholders and senior leadership
• Utilize strong time management skills and act with a sense of urgency to meet expectations and deadlines driving deals to closure
• Work with internal and external stakeholders in a proactive constructive and responsive manner to effectively manage and execute transactions
• Partner effectively with coverage bankers and product specialists to develop comprehensive client relationships
• Convey a thorough understanding of credit policy and procedures and demonstrate excellent communication skills
• Contribute to the broader objectives of the Risk organization including developing junior talent and participating in various projects and efficiency exercises

Required Qualifications Capabilities and Skills

• BA/BS/BBA degree is required
• Completion of a major corporate or commercial bank credit training program (or equivalent corporate banking/corporate finance experience) with a thorough understanding of bank credit policies and procedures
• Minimum 7 years experience in middle market and mid-corporate lending including extensive credit analysis structuring of leveraged finance transactions and negotiation of loan documentation
• Experience working with portfolio companies of private equity firms
• Significant accounting and finance knowledge with superior financial modeling skills
• Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills
• Demonstrated ability to problem-solve and think both critically and analytically and proven ability to collaborate and build strong partnerships
• Excellent organizational and project management skills with the ability to manage competing priorities under tight deadlines
• Intellectual curiosity with a proven ability to learn quickly
• Demonstrated ability to take initiative self-direct and work well under pressure and have excellent verbal interpersonal and written communication skills
• Proficient with Microsoft Office including Excel and PowerPoint