As a Vice President within the Commercial & Specialized Industries (C&SI) Credit Risk team focusing on State and local governments, you will partner with a cross functional team delivering credit solutions that support a range of needs for government clients. Credit executions range from directly purchased tax exempt financings, BAN/TAN/RAN structures, appropriation obligations (equipment financing), and enterprise revenue backed transactions. You will have the ability to develop a broad and deep understanding of the business, financial and sector risks faced by clients in your assigned portfolio and utilize that view to properly risk grade borrowers, analyze credit requests, structure credit facilities and negotiate credit agreements and other loan documentation. Job responsibilities: • Utilize excellent credit analysis while leveraging Firm authorized AI tools along with financial modeling skills to analyze and structure new transactions and work independently on the assigned credit portfolio. Appropriately assess risks / mitigants, balance risk / reward, diligently manage renewals, amendments and new transactions as well as maintain acceptable credit reporting metrics. • Form well thought out, independent views and be able to voice your opinion in a clear, concise manner and to defend that position with partners and senior leadership. • Lead complex transactions including negotiations and legal documentation for bilateral and syndicated finance structures. • Work proactively, in a constructive, diplomatic manner, with both internal and external contacts to keep transactions moving. • Act with a sense of urgency and execution to meet both internal and client deadlines. • Partner effectively to develop fulsome client relationships, including being looked to as an expert on Structuring and Credit Policy and will be viewed as the "go-to" person for credit by both internal partners and clients. • Provide leadership in the market by being a positive contributor to the team, including being a mentor to less experienced team members, embracing change and participating in various projects or improvement exercises for the benefit of the organization. • Demonstrate excellent communication skills both internally and externally and use those communication skills to effectively solve problems. Required qualifications, skills and capabilities • BA/BS/BBA degree is required • Minimum of 5 years' experience in commercial banking/lending including extensive credit analysis, structuring and loan documentation experience • Strong understanding of Local and State Government credit. • Knowledge of the tax-exempt bond market and related structures • Significant accounting and finance knowledge and superior financial modeling skills along with AI. • Strong working knowledge of credit agreements and other loan documentation along with solid negotiation skills • Demonstrated excellent verbal and written skills, interpersonal skills, and analytical and problem-solving skills • Excellent organizational and project management skills; able to manage competing priorities under tight deadlines • Proven ability to collaborate and build strong partnerships. • Intellectual curiosity with a proven ability to learn quickly • High degree of initiative, self-direction, and ability to work well under pressure Preferred qualifications, skills and capabilities • Completion of a major corporate or commercial bank credit training program (or the equivalent corporate banking/corporate finance experience) and a thorough understanding of bank credit policies and procedures 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.