Auto Commercial Solutions - Senior Credit Officer

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    "ShortDescriptionStr": "As a Senior Credit Officer within Risk Management and Compliance, you assess and mitigate risks in commercial loans for new and existing auto dealerships",
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    "ExternalDescriptionStr": "<p class=\"tablelist2\" style=\"margin: 0in 0in 6pt;\"><span style=\"color: rgb(51, 51, 51); font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\"><strong>Job Description</strong></span></span></p><p class=\"text6\" style=\"margin: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">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.</span></span></p><p class=\"text6\" style=\"margin: 0in;\">&nbsp;</p><p class=\"text6\" style=\"margin: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">The Auto Commercial Services team specializes in floorplan lines of credits, real estate loans, acquisition loans, working capital loans, and treasury products to our 450+ franchised retail automobile dealers. We are searching for an experienced Commercial Credit Officer to manage a portfolio of approximately $300-500 million in loan commitments. As a part of the team, you will be responsible for analyzing 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. &nbsp;Effective candidates will possess and apply a broad understanding of the business environment including the auto industry, current events, and economic cycles.&nbsp;</span></span></p><p class=\"text6\" style=\"margin: 0in;\">&nbsp;</p><p class=\"tablelist2\" style=\"margin: 0in 0in 6pt;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\"><strong>Responsibilities include but are not limited to:</strong></span></span></p><ul style=\"list-style-type: disc; padding-left: 48px;\"><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">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&nbsp;approval</span></span></p></li><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Determining capacity of operating entities to repay their financial obligations through analysis of company prepared/audited financial statements and detailed cash flow analysis&nbsp;</span></span></p></li><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Completing obligor and facility risk ratings with documented rationale for the final risk grades&nbsp;</span></span></p></li><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Proactive ownership of portfolio management responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics&nbsp;</span></span></p></li><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Coaching and mentoring of analysts who support your portfolio management activities, as well as mentoring, as needs arise, less senior associates.&nbsp;</span></span></p></li><li><p class=\"tablelist2\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Interacting with clients, virtually or in person, in conjunction with the Banker</span></span><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">&nbsp;</span></span></p></li><li><p class=\"tablelist2\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Working proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.</span></span></p></li><li><p class=\"tablelist2\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Demonstrating excellent communication skills both internally and externally and using those communication skills to effectively solve problems&nbsp;</span></span></p><p class=\"tablelist2\">&nbsp;</p></li></ul><p class=\"tablelist2\" style=\"margin: 0in 0in 6pt;\">&nbsp;</p><p class=\"tablelist2\" style=\"margin: 0in 0in 6pt;\"><span style=\"color: rgb(51, 51, 51); font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\"><strong>Minimum Skills, Experience, and Qualifications:</strong></span></span></p><p class=\"tablelist2\" style=\"margin: 0in 0in 6pt;\"><span style=\"color: rgb(51, 51, 51); font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">We are looking for someone excited to join our organization.&nbsp; If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.</span></span></p><ul style=\"list-style-type: disc; padding-left: 48px;\"><li><p class=\"text6\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Bachelor of Arts in Finance, Accounting, Economics, CA, ICWA or equivalent work experience if non-Finance related degree / Master of Business Administration</span></span></p></li><li><p class=\"text6\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">5+ years commercial credit analysis / automotive captive experience, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, loan structuring, and market</span></span></p></li><li><p class=\"text6\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan and real estate lending</span></span></p></li><li><p class=\"text6\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Superior analytical skills supported by excellent written and verbal communication skills&nbsp;</span></span></p></li><li><p class=\"tablelist2\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Demonstrated judgment and ability to act decisively&nbsp;</span></span></p></li><li><p class=\"tablelist2\"><span style=\"color: black; font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Possessing, or actively developing, leadership skills&nbsp;</span></span></p></li><li><p class=\"text6\" style=\"margin-bottom: 0in; margin-right: 0in; margin-top: 0in;\"><span style=\"font-family: Calibri, sans-serif;\"><span style=\"font-size: 9pt;\">Expert knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues&nbsp;&nbsp;</span></span></p></li></ul><p class=\"text6\" style=\"margin: 0in;\">&nbsp;</p>",
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