Manage client credit exposures, conduct credit analysis, structure transactions, provide expertise, mentor junior members, and drive efficiency improvements.
Job Description
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 Vice President in Wholesale Credit Risk in the Consumer, Retail and Healthcare team, you will play a key role in managing and monitoring client credit exposures across diverse industry classes. You will have the opportunity to leverage your analytical skills and industry knowledge to make impactful credit decisions, collaborate with colleagues across teams, and help drive innovation and efficiency. Together, we support our clients' credit needs while balancing the risk-return needs of the firm, fostering a culture of compliance, and developing junior team members.
Job Responsibilities
Required Qualifications, Capabilities, and Skills
Preferred Qualifications, Capabilities, and Skills
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.
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 Vice President in Wholesale Credit Risk in the Consumer, Retail and Healthcare team, you will play a key role in managing and monitoring client credit exposures across diverse industry classes. You will have the opportunity to leverage your analytical skills and industry knowledge to make impactful credit decisions, collaborate with colleagues across teams, and help drive innovation and efficiency. Together, we support our clients' credit needs while balancing the risk-return needs of the firm, fostering a culture of compliance, and developing junior team members.
Job Responsibilities
- Manage and monitor a portfolio of client credit exposures across industry classes
- Take ownership of client credit needs and projects, independently developing credit opinions
- Oversee and conduct credit analysis, approving or seeking approval for lending and trading transactions
- Provide credit expertise in structuring new loan and derivative transactions
- Lead or assist in negotiating, finalizing, and executing documentation for loans and derivatives
- Remain current on all aspects of credit relationships, including exposure, compliance, and opportunities
- Review ratings, risk assessments, portfolios, clients, and industries in your sector
- Prepare and present quarterly and annual risk reviews and tiering analyses
- Assign risk ratings and maintain updated credit research on your portfolio of clients
- Work with CIB Coverage and Corporate Banking on capital allocation and industry limits
- Manage credit due diligence processes for clients, including capital markets transactions
- Coordinate and allocate work across credit deal teams
- Review and approve written credit approval documents, including financial analysis and modeling
- Train, mentor, and develop Analysts and junior team members
- Help drive and support innovation and continuous efficiency improvements
Required Qualifications, Capabilities, and Skills
- Bachelor's degree required
- Completion of a major corporate bank credit training program or equivalent experience
- Five years of related experience in credit risk, banking, or corporate finance
- Excellent accounting and corporate finance expertise
- Strong analytical and financial modeling ability
- Solid knowledge of loan and derivative products, documentation, and structuring
- Experience negotiating legal documents associated with credit products
- Outstanding verbal and written communication skills
- Strong interpersonal skills and ability to work well under pressure in teams
- Proficiency in Excel, PowerPoint, and Word software
- Exceptional work ethic
Preferred Qualifications, Capabilities, and Skills
- MBA or CFA designation
- Experience supporting Consumer, Retail, Healthcare, or other industry groups such as Technology, Media and Telecommunications, Diversified Industries, Automotive and Transportation, Aerospace and Defense, Airlines, Natural Resources, and Energy
- Interest in client interaction and relationship management
- Experience preparing and presenting risk reviews and tiering analyses
- Experience training and mentoring junior team members
- Demonstrated ability to drive innovation and efficiency improvements
- Experience coordinating work across credit deal teams
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.
Top Skills
Excel
PowerPoint
Word
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