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 Underwriter to manage a portfolio of approximately $750 million in loan commitments representing our largest and most complex relationships. 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, full ownership of your portfolio management responsibilities including annual reviews, loan modifications, covenant breaches inventory audits, overline management, and analyzing trends in key dealer metrics Mentoring and training of analysts who support your portfolio management activities and junior underwriters Interacting with clients, virtually or in person, in conjunction with the Banker Leading/contributing to special projects related to credit topics and issues. Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. 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 7 years commercial underwriting / automotive captive experience, with significant knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, franchise value analysis, loan structuring, and market Hands-on experience underwriting commercial loans to franchised auto dealerships, or equivalent, including floor plan, real estate, and acquisition lending Superior analytical, interpersonal, analysis, and problem-solving skills supported by excellent written and verbal communication including presenting to executive-level management Demonstrated judgment and ability to act decisively Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks