JPMorgan Risk Management - Dealer Commercial Services Credit Officer Associate 

United States, Texas, Plano 

550698788

Job Responsibilities

• Utilize excellent commercial credit skills to prepare written credit reviews which assesses credit opportunities, identifies key risks with appropriate structures to mitigate risks including covenants, terms, and conditions for approval.
• Determine capacity of operating entities to repay their financial obligations through analysis of company-prepared/audited financial statements and detailed cash flow analysis.
• Complete obligor and facility risk ratings with documented rationale for the final risk grades.
• Actively manage portfolio responsibilities including annual reviews, loan modifications, covenant breaches, inventory audits, overline management, and analyzing trends in key dealer metrics.
• Interact with clients, virtually or in person, in conjunction with the Banker.
• Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving.
• Demonstrate excellent communication skills both internally and externally and using those communication skills to effectively solve problems.

Required Qualifications, Capabilities and Skills

• Bachelor’s Degree required with a focus in Finance, Accounting, Business Administration or Economics.
• 1+ years commercial risk analysis, with thorough knowledge of accounting, risk grading, cash flow analysis, financial statement analysis, and loan structuring.
• Hands-on experience analyzing commercial loans to franchised auto dealerships, or equivalent, including floor plan lending.
• Superior analytical skills supported by excellent written and verbal communication skills.
• Demonstrated judgment and ability to act decisively.
• Knowledge of credit philosophy and policies, understanding of commercial loan documentation requirements, and related legal issues.

Preferred Qualifications, Capabilities and Skills

• Master of Business Administration.
• Thorough knowledge of the Bank's policies and procedures, as well as its products and their inherent risks.
• Prior experience in US Market and Auto Industry.