Credit Sr officer
JPMorgan Chase · Posted Oct 5
Global banking, investment, credit card, mortgage, and asset management services
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About the role
The Dealer Commercial Services team at JPMorgan Chase specializes in floorplan lines of credit, real estate loans, acquisition loans, working capital loans, and treasury products for more than 450 franchised retail automobile dealers, operating within Risk Management and Compliance. The team analyzes commercial loans to prospects and existing customers and structures transactions consistent with firm policies and procedures. This Credit Senior Officer role manages a portfolio of approximately $500 million in loan commitments, preparing written credit reviews, determining repayment capacity, completing risk ratings, and owning ongoing portfolio management.
What you will do
- 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
Skills used in this role
What the employer is looking for
- Bachelor of Arts in Finance, Accounting, Business Administration, Economics, or equivalent work experience if non-Finance related degree / Master of Business Administration
- 3-5 years commercial credit analysis / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market
- Hands-on experience analyzing 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.
Benefits and support
- Compensation and benefits are detailed in the job posting
About JPMorgan Chase
JPMorgan Chase & Co. is one of the oldest, largest, and most diversified financial services institutions in the world. Operating globally through the J.P. Morgan and Chase brands, the firm provides a comprehensive range of financial solutions including investment banking, consumer and commercial banking, transaction processing, and asset management. Serving millions of consumers and many of the world's most prominent corporate, institutional, and government clients, the company combines deep market expertise with extensive technological investments.
- Industry
- Banking
- Company size
- 320000+ employees
- Founded
- 1799
- Location
- New York, New York, USA
- Funding stage
- Public Company
Leadership
Chairman and Chief Executive Officer
Chief Financial Officer
Chief Operating Officer
Global Chief Information Officer
CEO, Asset & Wealth Management
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