Job Description

We are actively looking for exceptionally talented individuals who are collaborative, confident and motivated to provide a first-class experience to clients within J.P. Morgan's U.S. Private Bank. If you have an entrepreneurial mindset and are looking to constantly challenge yourself, J.P. Morgan is the place for you. You will be working alongside a team of talented colleagues from other markets, businesses and functions to provide you with the opportunity to take your career to the next level. As a Lending Specialist in the U.S. Private Bank, you will manage our most complex borrowing relationships by presenting J.P. Morgan Private Bank's credit solutions to ultra-high net worth clients and advising on implementation. **Job Responsibilities** + Act as internal sales leader for the credit product, liaising with Market Managers, Bankers and Investors to ensure credit is a core part of the J.P. Morgan offering + Partner with Bankers to uncover needs and deliver sophisticated and innovative solutions to client and prospect financings or restructurings + Originate credit leads from prospects and existing clients and lead credit marketing initiatives for the local market + Handle deal analysis, due diligence and credit presentations + Supervise credit approval memos/restructure memos + Monitor portfolio risk and proactively work to improve portfolio quality and prevent loss + Manage underwriters to implement changes to debt structure/risk ratings in response to changes in risk environment **Required Qualifications, Capabilities, and Skills** + Seven plus years of experience with extensive credit, loan and deposit products + Bachelor's degree required + FINRA Series 7 & 66 licenses required for position; unlicensed candidates considered but required to obtain licenses within 90 days of start date + Prior experience structuring creative and complex credit transactions + Completion of formal credit training program + Demonstrated understanding of wealth management including, but not limited to: investment management, trusts and financial planning + Expert knowledge of and proven success with complex credit products and concepts including, but not limited to residential real estate loans, concentrated collateral loans, unsecured lending, marketable secured lending, aircraft finance and art lending **Preferred Qualifications, Capabilities, and Skills** + MBA + Knowledge of capital markets and macro interest rate environment + Knowledge of account maintenance, loan closing, credit administration and compliance procedures + Ability to communicate sophisticated credit concepts to all levels of clients and prospects + Sales experience including: profiling, overcoming objections, negotiation, team selling approach, closing the sale and asking for referrals 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/Veterans

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