Business Relationship Manager I - Officer

Location: Redwood City, 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 by delivering customized financial solutions. Based in Redwood City, CA, this position offers the opportunity to join a dynamic team at one of the world's most respected banks, where you will help entrepreneurs navigate their financial challenges and achieve sustainable growth in a competitive market. Your primary focus will be building and nurturing strong relationships with small business owners in the local community, understanding their unique needs, and recommending a suite of JP Morgan Chase products such as business loans, cash management services, and payment solutions. You will manage a portfolio of clients, conduct in-depth financial analyses, and collaborate with cross-functional teams to ensure seamless service delivery. This role demands a proactive approach to business development, including prospecting new clients through networking events and leveraging JP Morgan's extensive resources to drive revenue and client satisfaction. In addition to client-facing responsibilities, you will stay abreast of industry trends, regulatory updates, and economic factors impacting small businesses, particularly in California's vibrant tech and innovation ecosystem. Success in this officer-level position requires a blend of analytical expertise, interpersonal skills, and a passion for empowering small enterprises. By joining JP Morgan Chase, you will contribute to our mission of fostering economic growth while advancing your career in a supportive, high-performance environment that values diversity, inclusion, and professional development.

Key Responsibilities

• Develop and maintain relationships with small business clients in the Redwood City area, providing tailored financial solutions to support their growth
• Prospect and acquire new small business clients through networking, referrals, and targeted outreach
• Conduct financial needs assessments and recommend appropriate JP Morgan Chase products such as business checking, loans, and merchant services
• Manage a portfolio of client accounts, ensuring high satisfaction and retention while identifying cross-selling opportunities
• Collaborate with internal teams including credit analysts and product specialists to deliver comprehensive banking solutions
• Monitor market trends and regulatory changes in the financial services industry to advise clients proactively
• Prepare and present business reviews, financial reports, and proposals to clients and senior management
• Drive revenue growth by achieving sales targets for deposits, loans, and fee-based services
• Ensure compliance with all banking regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements
• Participate in community events and business development initiatives to enhance JP Morgan Chase's presence in the local market

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 managing client portfolios and driving revenue growth in financial services
• Strong understanding of small business financial products including loans, credit lines, and treasury services
• Excellent communication and negotiation skills with the ability to build long-term client relationships
• Proficiency in financial analysis, credit assessment, and risk management principles
• Ability to work in a fast-paced environment and meet sales and service targets

Preferred Qualifications

• Advanced degree or certification such as CFA, CPA, or MBA
• Experience working with small businesses in the technology or retail sectors
• Familiarity with JP Morgan Chase's digital banking platforms and tools
• Bilingual skills, particularly in Spanish, to serve diverse client bases in California
• Prior leadership experience in mentoring junior relationship managers

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Client relationship management
• Sales and negotiation techniques
• Knowledge of banking regulations (e.g., FDIC, OCC)
• Proficiency in Microsoft Office Suite and CRM software
• Digital banking platform navigation
• Problem-solving and decision-making
• Communication (verbal and written)
• Time management and prioritization
• Team collaboration and leadership
• Market research and trend analysis
• Customer service orientation
• Data interpretation and reporting
• Adaptability to industry changes

Benefits

• Competitive base salary with performance-based incentives and bonuses
• Comprehensive medical, 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 access to 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.