Location: Greenwich, CT, United States

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. Morgans 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 work with our team to advise clients on their capital structure and provide credit solutions tailored to clients needs and circumstances.  

Job Responsibilities

• Participate in pitches to existing and prospective clients
• Analyze the book of existing clients to identify new potential opportunities
• Maintain an ongoing dialogue with existing borrowing clients
• Advise, negotiate and execute loan structures
• Structure solutions to client financing needs within acceptable risk parameters and in accordance with policies and regulations
• Maintain a quality credit book with active client dialogue and escalation of candidates promptly. Follow up on all client-related credit issues (e.g., missed margin calls, legal documentation, etc.).
• Using your thorough knowledge of the JP Morgan Credit Risk Underwriting Policy & Guidelines, liaise closely with Credit Risk to ensure the best outcome for the client in terms of the underwriting of the client. 

Required Qualifications, Capabilities, and Skills

• Bachelor degree 
• Series 7 & 66 licenses required for position; unlicensed candidates considered, but required to obtain licenses within 90 days of start date 
• Five plus years of credit risk experience, ideally in the financial services industry 
• In-depth knowledge of bank loan, deposit, mortgage and credit products 
• Ability to understand the overall credit capabilities and risk management philosophy of the firm 

• Ability to understand wealth management including, but not limited to: investing, trust and financial planning 

• Experience and proven success with banking concepts including, but not limited to: marketable secured lending, investment real estate loans, concentrated collateral loans, aircraft lending, owner-occupied commercial real estate and bridge loans 

Preferred Qualifications, Capabilities, and Skills

• MBA

• Knowledge of capital markets and the macro interest rate environment 

• Knowledge of account maintenance procedures, loan closing procedures, credit administration and compliance procedures 

• Expertise in credit and derivatives transactions 

• Sales experience including: profiling, overcoming objections, negotiation, team selling approach, closing the sale and asking for referrals 

 

This is an exceptional opportunity to become a key member of the J.P. Morgan Private Bank team consulting on the borrowing needs of high net worth clients.