Business Relationship Manager I - Officer

Location: Houston, TX, 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 nationwide by delivering customized financial solutions. Based in Houston, TX, this position offers the opportunity to join a dynamic team at one of the world's most respected banks, where you'll leverage cutting-edge tools and resources to help local entrepreneurs thrive in a competitive market. Your focus will be on building enduring partnerships, driving sustainable growth, and navigating the unique challenges of the financial services landscape in the energy-rich Houston economy. In this officer-level role, you will manage a portfolio of small business clients, conducting in-depth financial assessments to recommend products like working capital loans, treasury services, and digital payment solutions tailored to their needs. You'll proactively identify growth opportunities through networking, community engagement, and data-driven insights, while ensuring all interactions adhere to JP Morgan Chase's rigorous standards for risk management and compliance. Collaboration with cross-functional teams will be key, as you'll work alongside credit experts, product specialists, and digital innovators to provide holistic advice that empowers clients to scale their operations amid economic fluctuations. We value professionals who bring passion for small business success and a deep understanding of the financial industry. This role not only offers substantial impact on clients' journeys but also provides avenues for career advancement within JP Morgan Chase's expansive global network. If you're ready to contribute to a legacy of excellence in banking, join us in Houston to shape the future of small business finance.

Key Responsibilities

• Develop and maintain relationships with small business clients in the Houston area, providing tailored financial solutions to support their growth
• Identify and pursue new business opportunities by prospecting and networking within local communities
• Conduct comprehensive financial needs assessments and recommend appropriate JP Morgan Chase products such as loans, lines of credit, and merchant services
• Manage a portfolio of accounts, ensuring high client satisfaction and retention while mitigating risks
• Collaborate with internal teams, including credit analysts and product specialists, to deliver seamless banking experiences
• Monitor market trends and regulatory changes to advise clients on optimal financial strategies
• Drive revenue growth by achieving sales targets for deposits, lending, and fee-based services
• Prepare and present business reviews, loan proposals, and financial reports to clients and senior management
• Ensure compliance with all federal and state banking regulations, including anti-money laundering protocols
• Participate in community events and initiatives to enhance JP Morgan Chase's presence in Houston's small business ecosystem

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 assessment, and regulatory compliance in the financial industry
• 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 with JP Morgan Chase's banking products or similar large-scale financial institutions
• Bilingual proficiency, particularly in Spanish, given the diverse small business community in Houston
• Certification in commercial lending or credit risk management (e.g., CAMS or similar)
• Prior success in cross-selling treasury management and payment solutions to small businesses

Required Skills

• Financial analysis and credit underwriting
• Client relationship management
• Sales and business development
• Risk assessment and mitigation
• Regulatory compliance knowledge (e.g., BSA, FDIC guidelines)
• Proficiency in Microsoft Office Suite and banking software (e.g., CRM systems like Salesforce)
• Negotiation and persuasion
• Problem-solving and decision-making
• Communication (verbal and written)
• Time management and prioritization
• Data analysis and reporting
• Networking and stakeholder engagement
• Adaptability to market changes
• Team collaboration
• Customer service orientation

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's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Wellness programs including gym memberships, mental health support, and onsite fitness facilities
• Relocation assistance for eligible roles and flexible work arrangements where applicable

JP Morgan Chase is an equal opportunity employer.