Commercial Bank Risk- Credit Risk, Associate at JPMorgan Chase Bank, N.A. in Dallas, Texas

Job Description:

Our Firmwide Risk function is focused on cultivating a stronger, unified culture that embraces a sense of personal accountability for developing the highest corporate standards in governance and controls across the firm. Business priorities are built around the need to strengthen and guard the firm from the many risks we face, financial rigor, risk discipline, fostering a transparent culture and doing the right thing in every situation. We are equally focused on nurturing talent, respecting the diverse experiences that our team of Risk professionals bring and embracing an inclusive environment.

As a Credit Risk Associate in the Asset Based Lending Group your responsibility will be to i.) manage an assigned portfolio of Commercial Banking clients who have Asset Based loans; and ii.) participate in the underwriting of credit exposure for new to ABL customers in a second chair capacity until such time as Associate demonstrates ability to work as primary client contact. ABL Credit Risk Professionals lead the client credit relationship with CB Bankers who manage the overall relationship. The role involves extensive interaction with clients, other product partners, internal and external legal counsel, lenders and investors.

ABL Credit Risk Professionals:

• Leads all aspects of the credit relationship, including credit analysis, financial modeling and coordinating credit approval for all products including loans, derivatives, leases and cash management

• Proactively support and enhance client relationships

• Leadership role in assigning and assessing internal ratings, risk assessment and risk mitigation. Recommend changes in structure or account management strategy to address negative trends. Assess monthly, quarterly and annual financial statements and borrowing base reporting

• Leadership role in structuring and negotiating Credit Agreements, amendments and waivers. Manage and monitor loan products including affirmative, negative and financial covenant compliance. Manage on-going communication with bank group members

• Interpret collateral appraisals and field exams. On-going monitoring of collateral trends and liquidity, establishing reserves and recommending appropriate course of action to address issues

• Partner with Bankers, Debt Capital Markets, Treasury Services, Leasing, Derivatives and Loan Operations

• Communicate with Senior Management, respond to regulatory requests and maintain internal credit files

• Train and mentor junior team members

• Support ABL underwriting team in projection modeling, analysis and underwriting of new or modified ABL exposure for prospects and existing customers as workload permits.

Qualifications

• Minimum 3 plus years' experience in Risk ( Asset Based financing knowledge a plus)

• Excellent communication skills - both written and verbal

• Ability to multitask in a fast paced environment

• Bachelor's degree in Accounting or Finance preferredJPMorgan 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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans