Lending Officer

Job Summary

• 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 implementation.

Job Responsibilities

• Orchestrate credit leads from prospects and existing clients and lead credit approval process;
• Participate to/lead investment initiatives;
• Partner with other client advisory professionals to uncover needs and deliver superior financing solutions;
• Work as internal sales leader for the credit product, liaising with the Marketing and Asset Management teams to ensure a core part of the JPM Private Bank offering;
• Define creative, innovative solutions to client credit financing or restructuring needs;
• Analyze capital structures of clients; advise on appropriateness of various types of collateral;
• Balance objectives of client, new business generation, and risk management disciplines that support the business;
• Underwrite and execute both loan and derivative structures (with credit optionality) consistently with the bank's risk appetite and regulatory guidelines;
• Play a key role in credit approval process:
  • Supervise credit application/protection report and credit presentation at senior level;
  • Recommend appropriate pricing for transaction and obtain necessary documentation to support the credit;
• Monitor portfolio performance and report on portfolio risk metrics;
• Change in credit risk: respond to changes in client creditworthiness, market conditions, or economic environment;
• Proactively work in a team based environment and assist in the development of junior team members;

Required Qualifications, Capabilities, Skills

• Strong 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 maintain a balance between meeting client requirements and fulfilling institutional policies on credit and risk roles.
• English fluent, Spanish a plus, Italian/Portuguese a bonus.