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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.

The Dealer Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 500+ franchised retail automobile dealers. We are searching for an experienced Commercial Credit Credit Officer to manage a portfolio of approximately $250 million in loan commitments. As a part of the team, you will be responsible for underwriting commercial loans to prospects/existing customers, collaborating with banking partners, and structuring transactions that are consistent with our company's policies and procedures. The ideal candidate will take ownership of the credit process and possess the ability to multi-task, prioritize deal flow and meet delivery deadlines, while making decisions in the best interest of the customer and organization. Effective candidates will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.

Job Responsibilities:

• Utilizing excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval

• Determining capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis

• Completing obligor and facility risk ratings with documented rationale for the final risk grades

• Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics

• Interacting with clients, virtually or in person, in conjunction with the Banker

• Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.

• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems

Required qualifications, capabilities and skills:

• Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration

• 1-3 years commercial underwriting / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market

• Hands-on experience underwriting commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.

• Superior analytical skills supported by excellent written and verbal communication skills

• Demonstrated judgment and ability to act decisively

• Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. Those in eligible roles, discretionary incentive compensation which may be 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.

Equal Opportunity Employer/Disability/Veterans