Risk Management - Commercial Banking, Government Risk Officer - Vice President

Job Description 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 Vice President within the Commercial & Specialized Industries (C&SI) Credit Risk team focusing on State and local governments, you will partner with a cross‑functional team delivering credit solutions that support a range of needs for government clients. Credit executions range from directly purchased tax‑exempt financings, BAN/TAN/RAN structures, appropriation obligations (equipment financing), and enterprise revenue‑backed transactions. You will have the ability to develop a broad and deep understanding of the business, financial and sector risks faced by clients in your assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, structure credit facilities and negotiate credit agreements and other loan documentation. Job Responsibilities Utilize excellent credit analysis while leveraging firm‑authorized AI tools along with financial modeling skills to analyze and structure new transactions and work independently on the assigned credit portfolio. Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. Form well‑thought‑out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. Act with a sense of urgency and execution to meet both internal and client deadlines. Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the “go‑to” person for credit by both internal partners and clients. Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. Required Qualifications, Skills and Capabilities BA/BS/BBA degree is required. Minimum of 5 years’ experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience. Strong understanding of Local and State Government credit. Knowledge of the tax‑exempt bond market and related structures. Significant accounting and finance knowledge and superior financial modeling skills along with AI. Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills. Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem‑solving skills. Excellent organizational and project management skills; able to manage competing priorities under tight deadlines. Proven ability to collaborate and build strong partnerships. Intellectual curiosity with a proven ability to learn quickly. High degree of initiative, self‑direction, and ability to work well under pressure. Preferred Qualifications, Skills and Capabilities 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. Benefits We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission‑based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of 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. Equal Opportunity Employer 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 & Co. is an Equal Opportunity Employer, including Disability/Veterans. #J-18808-Ljbffr TwinThread