Credit Officer, Vice President - Technology, Disruptive Commerce & Internet

JPMorgan Chase & Co. • New York, NY

2d

About The Position

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, 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 Credit Officer, Vice President in the
Technology, Disruptive Commerce & Internet Group, you will be at the heart of our cross-functional team,
delivering credit solutions to a diverse range of high-growth industries,
including Software, Applied Technology, Digital Infrastructure, and high-growth
Consumer. You will assess and manage risks, both on new originations and on an
ongoing basis within the existing portfolio of borrowers. Opportunities range
from venture debt facilities to support runway extension for early-stage
startups to institutional term loans to support Lines of Business. The
Technology, Disruptive Commerce & Internet Group Credit team is national, so you
will be covering clients within our industries nationwide, with the opportunity
to travel to meet with clients in person. The role entails in depth due
diligence of new opportunities, complex financial modeling, and legal
negotiation. You will be a key partner to Commercial Bankers as well as other
key internal stakeholders across the Investment Bank and Capital Markets. You
will mentor less experienced team members and guide them in risk grading, credit
request analysis, and documentation.

Requirements

• 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
• 6+ years’ experience in commercial banking/lending including extensive credit analysis
• Significant accounting and finance knowledge
• Strong working knowledge of credit agreements and other loan documentation
• Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills
• Excellent organizational and project management skills; able to manage competing priorities under tight deadlines
• Proven ability to collaborate and build strong partnerships.
• Intellectual curiosity with a proven ability to learn quickly
• High degree of initiative, self-direction, and ability to work well under pressure

Nice To Haves

• Experience in Direct Lending and / or Digital Infrastructure lending, preferred

Responsibilities

• Aid team members in the analysis and structuring of new transactions and management of their assigned credit portfolio
• Work alongside counsel to document transactions, renewals, and amendments to existing facilities.
• Work with founders and client executives from due diligence and negotiations of a new transaction through to ongoing portfolio management and subsequent transactions post-close
• Utilize excellent credit analysis skills to appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics
• Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership
• Work proactively, in a constructive, diplomatic manner, with internal contacts to keep transactions moving
• Act with a sense of urgency and drive execution to meet both internal and client deadlines
• Partner effectively to develop fulsome internal relationships, including being looked to as an expert on Credit Policy and will be viewed as the “go-to” person for credit and credit process for all products
• Provide leadership in the market by being a positive contributor to the team, including being a mentor to 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

Benefits

• 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.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Number of Employees: 5,001-10,000 employees