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 a Credit Risk Vice President within the Corporate Client Banking & Specialized Industries – Oil & Gas and Renewable Energy Group, you will focus on companies across the energy value chain in the North America. These companies are active users of traditional corporate banking services, investment banking products and project finance. The work environment is dynamic and fast-paced, a reflection of the industries and clients the team supports.

You will be the primary credit risk manager for a portfolio of corporate banking clients and transactions. In this capacity, you will work in partnership with coverage banking officers, syndications, and other partners to risk grade borrowers, analyze and approve credit requests, structure credit facilities, and negotiate credit agreements and other loan documentation. You will also be responsible for on-going monitoring and risk management of an assigned portfolio of credit.

Job Responsibilities

• Risk Assessment
  • Identify the key risk factors associated with clients, transactions, and industry sub-sectors across an assigned portfolio
  • Develop and articulate a dynamic, forward-looking risk assessment of client companies, transactions, competitive threats, and industry and other factors
  • Lead and/or participate in client due diligence and transaction negotiations
  • Attend client, bank, and other meetings to develop a thorough understanding of client companies, management teams, and industry sectors
  • Use financial models to develop a forward-looking credit risk assessment based on key value drivers and sensitized assumptions
  • Recommend and approve appropriate credit structures relative to risk assessment and policy considerations
• Credit Approval Process
  • Apply corporate finance and accounting expertise to develop appropriate financing structures
  • Prepare credit approval materials, ensure all credit risk policies are followed, and present and recommend credits for approval at the appropriate level
  • Analyze and negotiate financing terms and conditions as part of a deal team
  • Review and negotiate legal documentation and coordinate with counsel to ensure terms are appropriate and consistent with credit approval
• Portfolio Management
  • Provide a well-researched and thoughtful risk assessment of each assigned client on an ongoing basis
  • Ensure risk ratings are accurate and reflect a current forward-looking view of the client
  • Provide early identification and proactive management of deteriorating credits and other problem situations
  • Analyze, prepare, and present for approval all required waivers, amendments, and extensions
  • Prepare and present semi-annual portfolio review material to senior management
  • Work with bank examiners and internal credit reviewers to validate credit quality and integrity of the credit process, and comply with regulatory and policy requirements
  • Work closely with Credit Support Specialists to ensure accuracy of credit system data

Required Qualifications, Capabilities and Skills 

• Superior credit, corporate finance, negotiation, loan documentation, and financial modeling skills
• Strong interpersonal and communication skills
• Independently productive; able to operate at a highly effective level with minimal day-to-day managerial direction
• Completion of a major corporate or investment bank credit training program, or equivalent experience, and a thorough understanding of bank credit policies and procedures
• Minimum of 6 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing. Experience working on Sponsor transactions is a plus.
• BA/BS degree is required, MBA and/or CFA is preferred