Risk Management - Credit Risk Underwriter, Vice President_

Saddle Brook

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.

This risk management position supports Middle Market Banking Group which covers companies generally between $20 million and $500 million in revenues across a wide variety of industries. As a Vice President in Middle Market Banking & Specialized Industries Credit Risk, you will partner with a cross functional team delivering credit solutions that support a range of needs from working capital and general corporate purposes to acquisition finance and dividend recapitalizations. Additionally, you will work with family owned businesses, financial sponsors and some publicly traded companies. Credit executions range from bilateral structures to the syndicated finance bank market and institutional investor transactions. Critical to this role is the ability to develop a broad and deep understanding of the business, financial and industry risks faced by clients in the assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, structure credit facilities and negotiate credit agreements and other loan documentation.

**Job Responsibilities**

+ Recommend and approve appropriate credit structures relative to risk assessment and policy considerations

+ Utilize advanced credit skills to author concise, thoughtful analysis of relationships using appropriate structure and identifying key risks

+ Work proactively with internal and external contacts to ensure transactions move forward efficiently

+ Lead complex transactions including syndications, financial sponsor transactions and multi-level capital structures

+ Evaluate smaller relationships to evaluate risk profile and recommend simple structures that adequately protect the bank

+ Lead and/or participate in client due diligence and transaction negotiations

+ Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors

+ Analyze and negotiate financing terms and conditions as part of a deal team

+ Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval

+ Provide early identification and proactive management of deteriorating credits and other problem situations

+ Analyze, prepare, and present for approval all required waivers, amendments, and extension

**Required Qualifications, Skills and Capabilities**

+ BA/BBA/MBA and completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience)

+ At least 6+ years of experience in commercial banking/lending which might include credit, structuring and marketing experience

+ Accounting and finance knowledge and commercial banking experience

+ Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills

+ Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, market threats, and industry and other factors

+ Manage all steps of the Credit Approval Process including preparing credit approval materials, ensuring all credit risk policies are followed, and present and recommend credits for approval at the appropriate level

**About Us**

Across JPMorgan Chase, we serve millions of customers and many of the world's most prominent corporate and government clients. Our mission is to build a stronger, more equitable economy, and we strive to make a positive impact everyday with our customers in their communities. We are proud of our reputation as one of the world's most admired companies and we know that it's our people who make us successful. We are committed to a diverse and inclusive workplace where our employees are welcomed, valued and able to bring their authentic selves and best work forward.

JPMorgan Chase & Co., 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. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and 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 is an Equal Opportunity Employer, including Disability/Veterans

**Base Pay/Salary**

Saddle Brook,NJ $124,450.00 - $240,000.00 / year