Commercial Bank Risk- Corporate Client Banking Group-Oil & Gas, Vice President

at JPMorgan Chase Bank, N.A.
Location Houston
Date Posted May 4, 2021

Description

The position is Vice President within the Corporate Client Banking Group, which focuses on exploration & production, oil field services, and midstream companies. These companies are active users of traditional corporate banking services and investment banking products. The work environment is dynamic and fast-paced, a reflection of the industry and clients the team supports. The Vice President is the primary credit risk manager for a portfolio of corporate banking clients and transactions . In this capacity, the Vice President works 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. The individual is also responsible for on-going monitoring and risk management of an assigned portfolio of credit clients.To be successful, this individual needs a broad and deep understanding of the business, financial, competitive, and industry risks faced by clients in the assigned portfolio; expertise in structuring commercial loan transactions and managing all types of credit risk; and a comprehensive knowledge of corporate finance principles.The majority of this portfolio is located in Texas, Oklahoma, and Colorado. Travel could be required from time to time primarily to these locations. ResponsibilitiesRisk Assessment1. 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 considerations2. Credit Approval Process Apply corporate finance and accounting expertise to develop appropriate financing structuresPrepare 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. 3. Portfolio ManagementProvide a well-researched and thoughtful risk assessment of each assigned client on an on-going 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 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 Assist Credit Risk Executive in training and developing junior underwriter Qualifications: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 7 years of corporate or investment banking lending experience including extensive credit, structuring, and marketing. BA/BS degree is required, MBA and/or CFA is preferred 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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.Equal Opportunity Employer/Disability/Veterans

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