Business Relationship Manager I - Officer

Location: Lake Worth, FL, 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 Lake Worth, FL, this position offers the opportunity to join a dynamic team that delivers customized financial solutions, from working capital loans to digital payment processing, helping local entrepreneurs thrive in a competitive market. You will report to a senior relationship manager and contribute to JP Morgan's mission of powering economic growth by fostering long-term partnerships with small business owners in the vibrant South Florida community. Your primary focus will be on cultivating and expanding a portfolio of small business clients, identifying their unique financial needs, and recommending tailored products from JP Morgan Chase's extensive suite of offerings. This includes conducting in-depth financial consultations, analyzing business performance metrics, and collaborating with credit teams to structure financing solutions that align with risk guidelines. You will also engage in proactive outreach, attending local networking events and leveraging JP Morgan's brand to attract new clients, while ensuring all interactions adhere to stringent compliance standards such as those set by the FDIC and OCC. Success in this role requires a blend of financial acumen and interpersonal skills to build trust and drive business results. You will monitor client portfolios for opportunities to upsell services like treasury management or fraud protection, ultimately contributing to revenue growth and client retention. JP Morgan Chase provides a supportive environment with access to cutting-edge tools and training, empowering you to advance your career in one of the world's most respected banks. If you are passionate about empowering small businesses and ready to make an impact in Lake Worth, FL, this is your chance to join a team that values innovation, integrity, and excellence.

Key Responsibilities

• Build and maintain relationships with small business clients in the Lake Worth, FL area, providing tailored financial solutions to support their growth
• Prospect and acquire new small business customers through networking, referrals, and community involvement
• Conduct financial needs assessments and recommend appropriate JP Morgan Chase products like commercial loans, merchant services, and cash management tools
• Manage a portfolio of small business accounts, monitoring performance and ensuring client satisfaction
• Collaborate with internal teams, including credit analysts and product specialists, to deliver comprehensive banking solutions
• Identify cross-selling opportunities for additional JP Morgan services such as investment advisory and payroll processing
• Ensure compliance with all banking regulations and internal policies while mitigating risks
• Prepare and present business reviews to clients, highlighting portfolio performance and growth strategies
• Participate in local business events and represent JP Morgan Chase as a trusted financial partner
• Track market trends in small business finance to advise clients on emerging opportunities and challenges

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 small business financial products, including loans, credit lines, and treasury services
• Ability to analyze financial statements and credit risks for small business clients
• Valid driver's license and willingness to travel within the Lake Worth, FL market area
• Series 6 and 63 licenses or equivalent certifications preferred for compliance

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience working with diverse small business sectors in Florida
• Bilingual proficiency in English and Spanish to serve the local community
• Previous role at a major bank like JP Morgan Chase in business banking
• Knowledge of regulatory requirements such as BSA/AML and fair lending practices

Required Skills

• Commercial banking knowledge
• Relationship building and networking
• Financial analysis and credit underwriting
• Sales and negotiation techniques
• Customer service excellence
• Proficiency in Microsoft Office Suite and CRM tools like Salesforce
• Risk assessment and management
• Communication and presentation skills
• Problem-solving and decision-making
• Time management and organizational abilities
• Knowledge of small business lending regulations
• Data analysis for portfolio performance
• Team collaboration and leadership
• Adaptability to market changes
• Cultural sensitivity for diverse client base

Benefits

• Competitive base salary plus performance-based incentives and bonuses
• 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 programs and tuition reimbursement for further education
• Employee stock purchase plan and access to financial wellness resources
• On-site fitness centers or gym memberships at select locations
• Flexible work arrangements and support for work-life balance

JP Morgan Chase is an equal opportunity employer.