Commercial Bank Risk - Credit Risk - Middle Market Underwriting, Vice President

Full Job Description

Credit Officer - Associate

Houston, TX

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 Credit Officer - Associate role includes the oversight, management and approval of new and existing extensions of credit. The Associate will assess the credit worthiness of customers and prospects while facilitating portfolio growth and mitigating loss. ork proactively with internal partners and external contacts to ensure transactions move forward efficiently.

Job Responsibilities:

• Taking ownership of your portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done. 
• Structuring transactions by being open minded and creative, and thinking from the standpoint of "how can we do this deal" while balancing the risk/reward, rather than concluding immediately that the deal cannot be done. Additionally, you will provide ideas/suggestions on how to market our structure to the customer.  
• Utilizing excellent credit skills to author well thought out and concise analysis of Core Banking relationships using appropriate structure and identifying key risks.
• Partnering with the bankers to develop fulsome client relationships, including being looked to as the go-to person when the banker is out.
• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
• Effective leader in complex transactions, including syndications and multi-level capital structures.
• Having the ability to quickly and accurately evaluate smaller relationships to determine if the risk profile is acceptable and recommend simple structures that adequately protect the bank while not over engineering the transaction.
• Providing leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members and embracing change.
• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems.
• The ability and courage to voice your opinion in a clear, concise manner and to defend that position with Management.

Required Qualifications, Skills and Capabilities:

• Completion of a major corporate or commercial bank credit training program and 3 years’ experience in commercial banking/lending
• Significant accounting and finance knowledge
• Strong verbal, written, and interpersonal skills
• Strong analytical and problem solving skills