Risk Management - Government, Healthcare, Higher Ed and Non-Profit Underwriter, Senior Associate

Job Description
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 Officer, Senior Associate in Government, Healthcare, Higher Ed and Non-Profits risk organization covering Government, Healthcare, Higher Education and Not for Profit Clients across the national footprint, your primary role is the underwriting and management of a high volume portfolio consisting of certain primary and operating exposures assigned to you. You will appropriately assess the risk in your portfolio, diligently managing the portfolio (i.e. renewals, modifications, managing the credit metrics), and meeting internal and external deadlines. You will be a partner to the Bankers across regions, striving to balance sales and credit quality goals. You will be looked upon as a leader both within and outside of Underwriting; you will provide depth to the local credit leadership team and serve as a mentor to less experienced underwriters and bankers.
Responsibilities:

• Taking ownership of your portfolio, acting with a sense of urgency, doing whatever it takes to effectively get the job done.
• Performs credit analysis, due diligence, reviews documentation, and monitors/manages ongoing performance/risk of accounts within his/her assigned portfolio of clients under supervision of their manager.
• Independently applies strong credit knowledge, policy expertise, and analytical abilities to underwriting client requests and annual reviews.
• An important deal team member managing transactions to completion with little or no guidance from immediate manager.
• Has developed knowledge of the specifics of the business unit and/or products being supported.
• Having the ability to quickly and accurately evaluate smaller relationships to determine if the risk profile is acceptable and recommend simple structures that adequately protect the bank while not over engineering the transaction.
• Providing leadership in the market by being a positive contributor to the team including: being a mentor to less experienced team members and embracing change.
• Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems.
• The ability and courage to voice your opinion in a clear, concise manner and to defend that position with Management.

Required qualifications, capabilities and skills

• BA/BBA/MBA degree is required with some accounting and finance
• Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures
• At least 4 years of experience in commercial banking/lending
• Strong understanding of primary credit products (revolving lines of credit, term loans, commercial cards, etc.) and operating exposures (ACH, intra-day limits, etc.). Thrives in a fast paced environment specializing in clients with $50MM-150MM in revenue
• Excellent verbal and written communication skills are required
• Ability to work independently
• Ability to build and maintain excellent partnerships and relationships throughout the CB, including bankers, TS, derivatives, implementations, ACH and funds control, internal counsel, service, support groups, etc.

About Us
JPMorgan 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 offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
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. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans
About the Team
Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.