Credit Originator - Commercial Real Estate, Cash Flow and Derivative Lending - Vice President

Job Responsibilities

• Analyze corporate financial statements, business models, cash flow generation, and collateral profiles to assess debt capacity and recommend appropriate financing structures.
• Lead and participate in client due diligence activities, including meetings with management teams, sponsors, investors, advisors, and other transaction stakeholders.
• Prepare and oversee pitch materials, financial analyses, credit underwriting memoranda, investment committee presentations, and client-facing deliverables.
• Structure and execute a broad range of cash flow-based and unsecured credit facilities in partnership with coverage, syndications, credit, legal, treasury, and product teams.
• Evaluate ancillary business opportunities and broader client relationship potential associated with lending transactions.
• Negotiate term sheets, credit agreements, and related legal documentation to ensure transaction economics, structure, and risk parameters align with client objectives and firm standards.
• Manage the transaction closing process, including coordination of due diligence, internal approvals, external advisors, and legal counsel.
• Mentor, develop, and provide guidance to junior team members while fostering a collaborative and high-performance team environment.
• Contribute to strategic initiatives, process enhancements, and platform development efforts.

Required Qualifications, Capabilities, And Skills

• Minimum 5 years of commercial/corporate banking lending experience including extensive credit, structuring, and marketing.
• Advanced understanding of financial statements, accounting principles, cash flow modeling, and credit risk assessment.
• Strong written and verbal communication skills, with the ability to interact effectively with clients, counsel, product partners, credit officers, and senior management.
• Prominent ability to manage multiple transactions and priorities while maintaining a high standard of accuracy and professionalism.
• Experience reviewing and negotiating corporate credit agreements and related loan documentation.
• Familiarity with derivative products and related documentation, including ISDA and Credit Support Annex (CSA) agreements.

About Us

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, 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.

About The Team

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.