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Risk Management - Lead Credit Officer - Commercial & Specialized Industries
Risk Management - Lead Credit Officer - Commercial & Specialized IndustriesChase • Indianapolis, IN, US
Risk Management - Lead Credit Officer - Commercial & Specialized Industries

Risk Management - Lead Credit Officer - Commercial & Specialized Industries

Chase • Indianapolis, IN, US
2 days ago
Job type
  • Full-time
Job description

Lead Credit Officer - Vice President In Commercial And Specialized Industries Risk

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 partner with us to deliver tailored credit solutions for a diverse portfolio of clients. You help drive financing decisions that support working capital, acquisitions, and growth initiatives. You work with privately-held and publicly-traded companies, family-owned businesses, and financial sponsors, ensuring their needs are met with sound risk management. You play a key role in structuring credit facilities and negotiating agreements, while contributing to our team's success and development.

Additionally, this risk management position supports Indiana and Kentucky 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

  • Perform credit analysis and financial modeling to structure and recommend new transactions
  • Lead leveraged finance transactions and manage legal documentation negotiations for various lending structures
  • Manage assigned credit portfolio independently, ensuring data integrity
  • Assess and process risk rating changes promptly
  • Develop and communicate well-considered credit views, incorporating company and industry risks
  • Defend credit views to internal stakeholders and senior leadership
  • Challenge banking teams as a second line of defense
  • Drive deals to closure by meeting expectations and deadlines with strong time management
  • Collaborate proactively with internal and external stakeholders to execute transactions
  • Apply thorough understanding of credit policy and procedures
  • Contribute to team objectives by developing junior talent and participating in projects

Required Qualifications, Capabilities, and Skills

  • Bachelor's degree in business, finance, or related field
  • Completion of a major corporate or commercial bank credit training program or equivalent experience
  • Seven years of experience in middle market and mid-corporate lending
  • Extensive experience in credit analysis, leveraged finance structuring, and loan documentation negotiation
  • Experience working with portfolio companies of private equity firms
  • Strong accounting and finance knowledge with advanced financial modeling skills
  • Solid working knowledge of credit agreements and loan documentation
  • Demonstrated critical and analytical thinking skills
  • Proven ability to collaborate and build partnerships
  • Excellent organizational and project management skills under tight deadlines
  • Proficient in Microsoft Office, including Excel and PowerPoint
  • Experience supporting companies across diversified industries
  • Familiarity with bilateral, syndicated, institutional, and direct lending structures
  • Strong negotiation skills in complex transactions
  • Ability to mentor and develop junior team members
  • Intellectual curiosity and ability to learn quickly
  • Experience managing multiple priorities in a fast-paced environment
  • Excellent verbal, interpersonal, and written communication skills
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