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Commercial Bank - Middle Market - Portfolio Banker - San Antonio, TX

Job Description

Commercial Bank       

Commercial Banking delivers extensive industry knowledge, local expertise and seamless global capabilities to clients—including corporations, municipalities, financial institutions, real estate investors and owners, and not-for-profit organizations—with annual revenue generally ranging from $20 million to $2 billion. We offer a comprehensive set of financial products and services including credit, asset-based lending, real estate finance and treasury. We also provide clients with access to investment banking and asset management services.       


Middle Market Banking & Specialized Industries       

Middle Market Banking & Specialized Industries (MMBSI) is a Commercial Banking business located in 101 offices across the US and Canada. MMBSI provides credit, cash management, capital markets and corporate finance advisory solutions to corporations, municipalities and not-for-profit entities via our Core Banking or Specialized Industries teams. Core Banking teams generally focus on clients with annual revenues of $20 million to $500 million. Within our Specialized Industries practice, we have experts strategically focused on serving businesses within a variety of industry segments, including, but not limited to: Agribusiness, Government, Healthcare and Technology. In MMBSI, our competitive advantages include robust international capabilities, the ability to provide clients with access to world-class investment banking solutions and our focus on industry specialization. These key differentiators, combined with our dedication to personalized service, allows us to build long-term relationships with mid-sized businesses and a wide spectrum of municipalities and not-for-profit entities.        


Position Description:
The Middle Market Banking Portfolio Banker role is responsible for the overall client relationship and risk management of a defined group of parent and subsidiary client relationships, including those with both credit and non-credit exposures. The Portfolio Banker will be the primary relationship manager for these accounts and will interact and liaison with other areas of the organization predominantly the credit, risk, client service and treasury organizations. The Banker will not have primary business development responsibilities. This role will report to the Market Executive.

Responsibilities will include, but will not be limited, to the following:       

  • Full knowledge and coverage of clients from an AML and reputational risk perspective, with a focus on the clients business, management team, strategy, product usage with JPMC and account activity. The Portfolio Banker will have regular client calling requirements.       

  • Timely completion of all AML/KYC due diligence.       

    • Including the dynamic updates to DDF forms that reflect true relationship knowledge       

    • Responsible for the oversight, escalation and resolution of any AML-identified compliance issues, as well as any reputational or negative media issues, in coordination with Middle Market banking management and the appropriate escalation forum.       

  • Responsible for on-going client relationship management and responsiveness, including face to face meetings with the treasury and finance staff at the client company, documenting these meetings with call reports and maintaining CKC system updates.       

  • Responsible for business development securing new and retaining profitable relationships as a client-facing Portfolio Banker       

  • Process all credit requests, including requests for amendments and waivers, in coordination with the credit underwriters. Work with our service organization (either locally or through the national service center) to resolve service related incidents in the portfolio.

  • In conjunction with the CSP, the Banker will be responsible to ensure client operational needs are serviced in a timely and high quality manner. The Portfolio Banker will also have responsibility for annual coverage review of product sets and delivering the products and services of the firm to clients       

  • Coordinate as appropriate client account exits and engage the appropriate processes with the CB Escalation and Client Service exit teams. The Portfolio Banker should work diligently to identify opportunities for current middle market accounts as well as identify accounts that are not appropriate for middle market coverage.

  • College degree, with an advanced degree desirable.       

  • Successful completion of a formal bank sponsored credit training program, formal training or experience in an underwriting role preferred.       

  • 3+ years of business or commercial banking, credit underwriting experience or equivalent experience. Additionally, previous treasury and client service experience is preferred.        

  • Strong client-facing skills. Polished, with excellent verbal and written communication abilities.       

  • Strong investigatory, due diligence and risk analysis skills.       

  • Able to present risk issues in a succinct and cogent manner to senior leaders.       

  • Familiarity with loan and other contractual documentation highly desirable.       

  • Familiarity with complex client organization structures highly desirable.       

  • Business development skills are essential; arranging and executing concise business calls       

  • Diligent, detail-oriented and thorough.       

  • Persistent and willing to follow through to resolve and document issues appropriately and in a manner in keeping with sound risk management practices.       

  • Able to work independently multi-task and handle a sizeable account load.       

Req #: 160038645
Location: San Antonio, TX US
Job Category: Credit
Employment Type: Full Time
Potential Referral Amount: 0 US Dollar (USD)

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