Loan Officer

Job Summary

• As a key member of the J.P. Morgan Private Bank team of specialists, the Lending Officer manages our most complex borrowing relationships by presenting J.P. Morgan Private Bank's credit solutions to ultra-high-net-worth clients and advising on their implementation.

Job Responsibilities

• Coordinate credit leads from prospects and existing clients and manage the credit approval process;
• Participate in or lead investment initiatives;
• Partner with other client advisory professionals to identify needs and deliver superior financing solutions;
• Serve as the internal sales leader for the credit product, working closely with the Marketing and Asset Management teams to ensure it remains a core component of JPM Private Bank's offering;
• Develop creative, innovative solutions to clients' credit financing or restructuring needs;
• Analyze clients' capital structures; advise on the appropriateness of various types of collateral;
• Balance the client’s objectives, new business generation, and risk management practices that support the business;
• Underwrite and execute both loan and derivative structures (with credit optionality) in a manner consistent with the bank's risk appetite and regulatory guidelines;
• Play a key role in the credit approval process:
  • Oversee credit applications, credit protection reports, and credit presentations at the senior level;
  • Recommend appropriate pricing for the transaction and obtain the necessary documentation to support the credit;
• Monitor portfolio performance and report on portfolio risk metrics;
• Change in credit risk: respond to changes in a client's creditworthiness, market conditions, or the economic environment;
• Work proactively in a team-based environment and assist in the development of junior team members;

Required Qualifications, Capabilities, and Skills

• Extensive expertise in credit, financial products, and derivatives structuring;
• Excellent relationship-building and interpersonal skills;
• Strong analytical skills, including financial analysis;
• Ability to collaborate and negotiate with clients and colleagues from diverse backgrounds;
• Familiarity with credit documentation;
• Experience in securing credit protection;
• Ability to strike a balance between meeting client requirements and complying with institutional policies on credit and risk management.
• Fluent in English; Spanish is a plus; Italian and Portuguese are a bonus.