Business Relationship Manager I - Officer

Location: Charlotte, NC, 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 Charlotte, NC, this position offers the opportunity to leverage your expertise in financial solutions to help entrepreneurs thrive in a dynamic economy. You will join a collaborative team dedicated to delivering personalized banking services, from deposit accounts and lending to treasury management, all while upholding our reputation as one of the world's most trusted banks. In this officer-level role, your primary focus will be building and nurturing relationships with small business owners, understanding their unique challenges, and providing strategic advice to optimize their financial operations. You will conduct in-depth needs assessments, analyze financial statements, and recommend JP Morgan Chase products tailored to their growth objectives, such as working capital loans or merchant services. By proactively identifying opportunities and mitigating risks, you will contribute to portfolio expansion and revenue goals, ensuring clients receive the innovative tools that set us apart in the industry. Success in this position requires a blend of analytical prowess and interpersonal skills to navigate the complexities of the financial services landscape. You will collaborate with cross-functional teams to facilitate seamless transactions and stay ahead of regulatory requirements, including those from the FDIC and OCC. At JP Morgan Chase, we invest in your professional growth through robust training programs and a supportive culture that values diversity and inclusion. If you are passionate about empowering small businesses and ready to advance your career in a high-impact environment, this role in Charlotte offers an exciting path forward.

Key Responsibilities

• Manage a portfolio of small business clients, providing tailored financial solutions to support their growth and operational needs
• Develop and maintain strong relationships with business owners, identifying opportunities for cross-selling JP Morgan Chase products like loans, lines of credit, and cash management services
• Conduct financial analysis and credit assessments to recommend appropriate financing options while mitigating risks
• Collaborate with internal teams, including credit underwriters and product specialists, to deliver seamless client experiences
• Drive revenue growth by achieving sales targets for new business acquisition and portfolio expansion
• Monitor market trends and regulatory changes to advise clients on financial strategies in the competitive banking landscape
• Prepare and present business reviews, proposals, and reports to clients and senior management
• Ensure compliance with all federal and state banking regulations, including anti-money laundering (AML) and know-your-customer (KYC) protocols
• Participate in community outreach and networking events to build JP Morgan Chase's presence among small businesses in Charlotte, NC

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 financial services
• Proven track record in managing client portfolios and driving revenue growth in small business lending
• Strong understanding of credit analysis, risk management, and regulatory compliance in the financial sector
• Excellent communication and negotiation skills with the ability to build long-term client relationships
• Proficiency in financial modeling and analysis tools relevant to small business financing
• Ability to work in a fast-paced environment and meet sales targets

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience working with small to medium-sized enterprises (SMEs) in diverse industries
• Knowledge of JP Morgan Chase's product suite, including deposit, lending, and treasury services
• Certification in commercial lending or relationship management (e.g., CCRM)
• Bilingual skills to serve multicultural small business clients

Required Skills

• Financial analysis and credit underwriting
• Client relationship management
• Sales and negotiation techniques
• Knowledge of small business lending products
• Risk assessment and compliance expertise
• Proficiency in Microsoft Office Suite and CRM tools like Salesforce
• Strong verbal and written communication
• Problem-solving and decision-making
• Time management and organizational skills
• Analytical thinking for market trend evaluation
• Team collaboration and leadership
• Adaptability to regulatory changes
• Customer service orientation
• Data-driven portfolio management
• Networking and business development

Benefits

• Competitive base salary with performance-based bonuses and incentives
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's learning programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements and hybrid options where applicable

JP Morgan Chase is an equal opportunity employer.