Business Relationship Manager I - Officer

Location: Oceanside, CA, United States

Job Family: Relationship Manager

About the Role

As a Business Relationship Manager I - Officer at JP Morgan Chase, you will play a pivotal role in supporting the financial success of over 3 million small businesses across the United States. Based in Oceanside, CA, this position involves building and nurturing long-term relationships with local entrepreneurs, offering innovative banking solutions from one of the world's leading financial institutions. You will leverage JP Morgan Chase's extensive resources to provide customized services, including commercial loans, cash management, and advisory support, helping small businesses navigate economic challenges and seize growth opportunities in the vibrant Southern California market. In this officer-level role within the Relationship Manager category, your primary focus will be on prospecting new clients, managing an existing portfolio, and driving revenue through strategic cross-selling. You will conduct in-depth financial assessments, collaborate with credit and product teams, and ensure all activities align with JP Morgan Chase's rigorous standards for risk, compliance, and customer satisfaction. By staying attuned to local market trends and regulatory landscapes, you will position JP Morgan Chase as the trusted partner for small business owners seeking scalable financial tools. Joining JP Morgan Chase means becoming part of a global powerhouse committed to innovation and excellence in financial services. This role offers substantial opportunities for professional growth, with access to cutting-edge training, mentorship from industry leaders, and a collaborative culture that values diverse perspectives. If you are passionate about empowering small businesses and thrive in a dynamic environment, this position in Oceanside, CA, is an ideal platform to advance your career while contributing to the broader economic vitality of the community.

Key Responsibilities

• Develop and maintain relationships with small business owners in the Oceanside, CA area, providing tailored financial solutions such as loans, lines of credit, and treasury services
• Prospect and acquire new small business clients to expand JP Morgan Chase's market share nationwide
• Conduct financial needs assessments and recommend appropriate banking products to support business growth
• Manage a portfolio of small business accounts, monitoring performance and ensuring compliance with lending standards
• Collaborate with internal teams, including credit analysts and product specialists, to deliver seamless client experiences
• Analyze market trends and competitor activities to identify opportunities for JP Morgan Chase's innovative financial offerings
• Prepare and present business proposals, ensuring alignment with JP Morgan's risk management policies
• Drive revenue growth through cross-selling deposit, payment, and advisory services to over 3 million small businesses
• Ensure adherence to all federal and state banking regulations, including anti-money laundering protocols
• Participate in community events and networking to enhance JP Morgan Chase's brand presence in the region

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 2-3 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, risk assessment, and regulatory compliance in banking
• Excellent communication and interpersonal skills for building client relationships
• Ability to work independently and collaboratively in a fast-paced environment
• Valid driver's license and willingness to travel within the Oceanside, CA territory

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience with JP Morgan Chase products or similar large-scale banking services
• Bilingual proficiency in Spanish, given the diverse small business community in Oceanside, CA
• Prior success in growing a small business loan portfolio
• Knowledge of local market dynamics in Southern California

Required Skills

• Commercial banking knowledge
• Sales and negotiation expertise
• Credit analysis proficiency
• Risk management acumen
• Customer relationship building
• Financial product advisory
• Market analysis capabilities
• Regulatory compliance awareness
• Presentation and communication skills
• Portfolio management experience
• Problem-solving and decision-making
• Team collaboration abilities
• Time management and organization
• Adaptability to dynamic environments
• Proficiency in financial software and CRM tools

Benefits

• Competitive base salary plus performance-based incentives and bonuses
• Comprehensive medical, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan's internal training programs
• Employee stock purchase plan and financial wellness resources
• Flexible work arrangements and wellness programs including gym reimbursements
• Access to global mobility programs and career advancement paths within JP Morgan Chase

JP Morgan Chase is an equal opportunity employer.