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 an Associate within Middle Market Banking Specialized Industries Credit Risk, you will partner with a cross-functional team delivering credit solutions that support a range of needs with heavy emphasis on treasury solutions and primary exposure less than $5MM.  Critical to this role is the ability to develop a broad and deep understanding of the business, financial, competitive and industry risks faced by clients in the assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, and structure credit facilities.

This risk management position supports Middle Market Banking Specialized Industries which includes Healthcare Services and Innovation Economy: Life Sciences, Technology, and Disruptive Commerce and Internet clients with revenues generally between $20 million and $500 million.  Clients in each of these sectors are active users of traditional commercial banking services and investment banking products and are covered by dedicated bankers dispersed throughout the US. The Innovation Economy represents high profile expansion markets that offer underwriters an opportunity to work on a high volume of transactions, in a fast paced and rapidly growing segment of the Commercial Bank

 Job responsibilities 

Utilize excellent credit analysis skills to underwrite and structure new transactions and work independently on the assigned credit portfolio. 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 both internal and external contacts to keep transactions moving, always acting with a sense of urgency to meet both internal and client deadlines.  Partner effectively to develop fulsome client relationships Provide leadership in the market by being a positive contributor to the team, including embracing change and participating in various projects or improvement exercises for the benefit of the organization. Demonstrate strong communication skills both internally and externally and use those communication skills to effectively solve problems.

Required qualifications, capabilities, and skills

BA/BS/BBA degree is required with some accounting and finance Completion of a major corporate or commercial bank credit training program (or the equivalent financial experience)  At least 3 years’ experience in commercial banking/lending including extensive credit analysis Working knowledge of accounting and finance 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