Bring your expertise to JPMorgan Chase. 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 Senior Commercial Credit Officer within Commercial Solutions, you will play a key role in managing a portfolio of approximately $500 million in loan commitments for retail automobile dealer relationships. You will have the opportunity to analyze commercial loan requests, collaborate closely with banking partners, and structure transactions that align with our company’s policies and procedures. In this role, you will use your expertise to make thoughtful credit decisions, balance multiple priorities, and ensure timely delivery for our clients. You will also help foster the growth of our team by mentoring and coaching new and junior credit officers and analysts, contributing to a collaborative and supportive environment. 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 • Provides leadership and mentorship to Credit Officer I by reviewing their work, developing their portfolio management and credit analysis skills, including them in portfolio communications and deal team discussions, and support their professional growth. • 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. • Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems 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 • Minimum 3 years commercial credit analysis / 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 analyzing 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 To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).