Chase · 1 day ago
Credit Officer [Multiple Positions Available]
10 S Dearborn St, Chicago, IL, 60603, US
Full-time
Onsite
Mid, Senior Level
$135K/yr - $147K/yr
3+ years expChase is a leading financial institution offering innovative financial solutions. The Credit Officer will manage a portfolio of credit clients, conduct credit analyses, and advise on credit requests while ensuring compliance with regulations.
BankingFinancial Services
Responsibilities
Manage a Portfolio of over 100 Credit Clients
Complete annual reviews on all clients within the portfolio
Review and decide on new credit requests that come in for clients and prospects
Renew credit facilities when they mature
Review documents and execute them for the bank
Advise bankers on credit questions they may have about their clients and prospects
Assist with ongoing portfolio maintenance and reporting the team may need
Conduct credit analysis on assigned set of clients and present the conclusion of the analysis
Interpret financial statements to assess fiscal health and funding mechanisms
Monitor and manage a portfolio of client credit exposures across industry classes, taking ownership of ongoing credit needs
Prepare and present quarterly and annual risk reviews, tiering analyses, assigning risk rating and maintain updated credit research on portfolio of clients
Analyze the unique financial structures and funding mechanisms in these sectors, considering diverse revenue and expenditure streams
Develop forward-looking risk assessments addressing challenges such as regulatory changes, policy impacts, demographic shifts, and mission-driven financial management
Participate in due diligence meetings with sector-specific stakeholders to gain insights into their financial strategies and operational priorities
Assess impacts on key value drivers utilizing advanced models tailored to each sector, incorporating variables including revenue streams, enrollment projections, reimbursement trends, and donor funding cycles
Design and recommend credit structures that align with financial cycles and regulatory requirements, supporting strategic initiatives including capital projects, program expansions, and mission-driven activities
Prepare and review credit approval materials with a focus on compliance and governance standards relevant to each sector
Analyze and negotiate covenants and legal documentation to ensure terms are appropriate and compliant with regulations, procurement laws, and donor restrictions
Assist in negotiating, finalizing, and executing loan documents, ensuring seamless coordination and compliance through effective collaboration across various functions
Ensure risk ratings accurately reflect the current and future financial health of clients, considering economic conditions, policy changes, and funding landscapes
Provide early identification and proactive management of deteriorating credits and problem situations
Assist with training new team members
Qualification
Required
Master's degree in Finance, Accounting, or related field of study plus 3 years of experience in the job offered or as Credit Officer, Financial Analyst, Credit Manager, or related occupation
Alternatively, a Bachelor's degree in Finance, Accounting, or related field of study plus 5 years of experience in the job offered or as Credit Officer, Financial Analyst, Credit Manager, or related occupation
Three (3) years of experience with commercial banking and lending including credit analysis
Any amount of experience with underwriting, credit analysis, and financial statement analysis to assess fiscal health and scrutinize financial structures and funding mechanisms
Preparing and presenting risk reviews, tiering analyses, and assigning risk ratings
Conducting risk assessments addressing regulatory changes, policy impacts, and market and economic scenarios
Corporate finance and advanced financial modeling, including cash flow models and market dynamics
Interpreting legal documentation and ensuring compliance with financial regulations and sector-specific laws, with an understanding of governance standards
Negotiating, finalizing, and executing loan documents through effective collaboration across functions
Bank credit products including revolving lines of credit, term loans, direct purchase bonds, tax-exempt financing, derivatives products, treasury facilities, letters of credit, and card programs
GAAP accounting standards
Benefits
Comprehensive health care coverage
On-site health and wellness centers
Retirement savings plan
Backup childcare
Tuition reimbursement
Mental health support
Financial coaching
Company
Chase
Chase provides broad range of financial services. It is a sub-organization of JP Morgan Chase.
10001+ employees
Funding
Current Stage
Late StageLeadership Team
Mike McDonnell
Managing Director, Head of Chase Travel Platform Product
Nicole Sanchez
Managing Director, Consumer Bank, GM and Product Executive, Growth Financial Products
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