Risk Management - Underwriter Mortgage Warehouse Finance - Vice President

Job Description
Job Summary:
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 Credit Risk Underwriter (Vice President) on the CCBSI Financial Institutions Group (FIG) - Mortgage Finance Team, you would be responsible for the credit Risk Management of a national portfolio of independent mortgage companies which are focused on the single-family mortgage origination and the agency multi-family mortgage origination industries, who primarily rely on Mortgage Warehouse financing. You will work in partnership with relationship bankers, treasury services, trading, and other product partners to analyze, structure, risk grade, document, and approve credit exposures resulting from loans and other commercial banking products. You will be an instrumental member of the Risk Management team that will drive deal documentation negotiations / execution and is also responsible for the on-going monitoring and Risk Management of an assigned portfolio of credits.
Job Responsibilities:

• Risk Assessment: Evaluate key risk factors related to specific transactions; develop a well-informed and balanced view of the business, financial and competitive risks faced by a company, sector, and industry; lead customer due diligence calls; attend client/bank meetings to develop a better understanding of the company and assess management; develop, negotiate, and document appropriate credit structures relative to the risk assessment; and coordinate with relationship managers and loan operations across tight closing deadlines to ensure all credit related requirements are finalized and delivered.
• Drive the Credit Approval Process: Ensure all credit exposures are approved at the appropriate level; prepare credit approval write-ups, present, and recommend credits for approval at the appropriate level; analyze / propose covenants and other key terms; and collaborate with external and internal counsel to draft and review legal documentation to ensure terms are appropriate and consistent with credit approval.
• On-going Portfolio Management: Ensure risk ratings are accurate and reflect current forward-looking view of the customer including early identification of deteriorating credits; identify and communicate material changes in credit performance and outlook; analyze, prepare, present for approval,and document all required waivers, amendments, and extensions; prepare and present semi-annual portfolio review material to senior management; coordinate with Credit Support Senior Specialists to ensure accuracy of credit system data and collection of legal documentation and company reporting; and conduct and maintain analysis on key risk metrics of portfolio (e.g. key ratio analysis, structural analysis, etc.)
• Active Member of Deal Team: Actively engage and contribute thoughts and views as a critical member to the overall team; understand everyone's role on the team; provide professional feedback to teammates; anticipate potential issues and proactively remedy, and be a value-add contributor and successful communicator to all teammates.

Required Qualifications, Capabilities, and Skills:

• BA/BS degree required
• Typically a minimum of 3-5 years of Commercial / Corporate banking/lending experience including credit, structuring, and marketing experience
• Completion of a major corporate bank credit/analyst training program or equivalent experience
• Excellent verbal and written communication skills
• Outstanding organizational and project management skills to balance portfolio management and deal execution responsibilities
• Demonstrated interpersonal skills to collaborate with teammates, bankers, product partners, senior management, and clients
• Strong work ethic with an ability to meet deadlines while multi-tasking

Preferred Qualifications, Capabilities, and Skills:

• Strong credit, documentation, and transaction experience a plus
• Excellent Excel, PowerPoint, and financial modeling skills
• Mortgage industry experience a plus
• Knowledge of credit, JPMC, and similar bank policies

About Us
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 and perspectives that 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. (If you are a US or Canadian applicant with a disability and wish to request an accommodation to complete the application process, please contact us by calling the Accessibility Line (US and Canada Only) 1-866-777-4690 and indicate the specifics of the assistance needed.)
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and 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.
JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans
About the Team
Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.
Risk Management helps the firm understand, manage and anticipate risks in a constantly changing environment. The work covers areas such as evaluating country-specific risk, understanding regulatory changes and determining credit worthiness. Risk Management provides independent oversight and maintains an effective control environment.