Business Relationship Manager I - Officer

Location: Carlsbad, CA, United States

Job Family: Relationship Manager

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a commitment to innovation and client success. As a Business Relationship Manager I - Officer in our Commercial Banking division, you will play a pivotal role in supporting over 3 million small businesses across the United States. Based in Carlsbad, CA, this position offers the opportunity to join a dynamic team that delivers customized financial solutions, from lending and cash management to advisory services, helping entrepreneurs thrive in a competitive landscape. Our focus on technology-driven banking ensures you have access to cutting-edge tools to enhance client interactions and drive business growth. In this officer-level role, you will build and nurture long-term relationships with small business owners in the Southern California region, acting as their trusted advisor on all financial matters. Responsibilities include identifying client needs through in-depth consultations, structuring tailored financing options like term loans and working capital facilities, and leveraging JP Morgan's extensive product suite to address challenges such as cash flow optimization and expansion funding. You will also manage a portfolio of accounts, conducting regular reviews to ensure ongoing satisfaction and compliance, while proactively seeking opportunities to introduce additional services that align with evolving business goals. Success in this position requires a blend of financial acumen, sales expertise, and interpersonal finesse, all within the supportive culture of JP Morgan Chase. We value professionals who are passionate about empowering small businesses and contributing to community economic development. With comprehensive training, competitive compensation, and a pathway for career advancement, this role positions you at the forefront of one of the world's most respected financial institutions, where your efforts directly impact the success of America's entrepreneurial backbone.

Key Responsibilities

• Develop and maintain strong relationships with small business clients, providing tailored financial solutions to support their growth
• Prospect and acquire new small business customers through networking, referrals, and targeted outreach in the Carlsbad area
• Conduct financial needs assessments and recommend appropriate JP Morgan Chase products such as loans, lines of credit, and treasury services
• Manage a portfolio of small business accounts, monitoring performance and ensuring compliance with banking regulations
• Collaborate with internal teams, including credit analysts and product specialists, to deliver comprehensive financial advice
• Identify cross-selling opportunities for additional JP Morgan services like merchant processing and investment solutions
• Analyze client financial data to assess creditworthiness and mitigate risks
• Stay updated on industry trends and regulatory changes to advise clients effectively
• Represent JP Morgan Chase at local business events and community engagements to build brand presence
• Prepare reports on portfolio performance and sales activities for senior management

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 3 years of experience in commercial banking, relationship management, or small business lending
• Proven track record in sales and portfolio management within the financial services industry
• Strong understanding of credit analysis, financial statements, and risk assessment for small businesses
• Excellent communication and interpersonal skills to build and maintain client relationships
• Ability to work independently and collaborate in a team environment
• Valid driver's license and willingness to travel within the assigned territory

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience with JP Morgan Chase products and services
• Bilingual proficiency in English and Spanish, given the diverse client base in Carlsbad, CA
• Previous success in cross-selling financial solutions to small businesses
• Knowledge of local market dynamics in Southern California

Required Skills

• Financial analysis and credit underwriting
• Sales and negotiation techniques
• Customer relationship management (CRM) software proficiency
• Knowledge of banking regulations (e.g., BSA, AML)
• Proficiency in Microsoft Office Suite, including Excel for financial modeling
• Strong verbal and written communication
• Active listening and empathy for client needs
• Problem-solving and decision-making under pressure
• Time management and organizational skills
• Networking and business development
• Risk assessment and mitigation
• Adaptability to changing market conditions
• Team collaboration and leadership
• Digital banking tools and fintech awareness
• Cultural sensitivity for diverse client interactions

Benefits

• Competitive base salary plus performance-based incentives and bonuses
• Comprehensive health, dental, and vision insurance coverage
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and holidays
• Professional development programs and tuition reimbursement for further education
• Employee stock purchase plan and access to financial wellness resources
• Flexible work arrangements and support for work-life balance
• On-site fitness centers and wellness programs at select locations

JP Morgan Chase is an equal opportunity employer.