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

Job DescriptionBring 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 capabilitiesBA/BS/BBA degree is requiredMinimum of 5 years’ experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experienceStrong understanding of Local and State Government credit.Knowledge of the tax-exempt bond market and related structuresSignificant 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 skillsDemonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skillsExcellent organizational and project management skills; able to manage competing priorities under tight deadlinesProven ability to collaborate and build strong partnerships. Intellectual curiosity with a proven ability to learn quicklyHigh degree of initiative, self-direction, and ability to work well under pressurePreferred qualifications, skills and capabilitiesCompletion 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 JPMorganChase, 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. 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. 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/VeteransJ.P. Morgan’s Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world. Full timePosting Date: 2026-04-17