Business Relationship Manager I- Officer

Location: Villanova, PA, 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 Villanova, PA, this position offers the opportunity to join a dynamic team that delivers customized financial solutions, from lending and cash management to advisory services, helping entrepreneurs thrive in a competitive landscape. You will be at the forefront of fostering long-term partnerships, leveraging JP Morgan Chase's vast resources to drive business growth and economic impact in the local community. In this officer-level role, your primary focus will be on cultivating relationships with small business owners in the Philadelphia area, identifying their unique financial needs, and providing expert guidance on our suite of products. You will conduct thorough financial assessments, underwrite credit facilities, and collaborate with cross-functional teams to ensure seamless execution of solutions. By staying ahead of industry trends and regulatory requirements, you will position JP Morgan Chase as the trusted partner for small businesses navigating challenges like expansion, cash flow management, and digital transformation. This role demands a proactive approach to prospecting, portfolio management, and revenue generation while upholding the highest standards of integrity and compliance. We value professionals who bring passion for financial services and a client-first mindset. Joining JP Morgan Chase means access to world-class training, career advancement opportunities, and a supportive culture that empowers you to innovate. If you are ready to contribute to one of the world's most admired banks and make a tangible difference for small businesses, apply today to become part of our Villanova team.

Key Responsibilities

• Build and maintain strong relationships with small business owners, providing tailored financial solutions to support their growth
• Prospect and acquire new small business clients within the Villanova, PA territory, targeting over 3 million nationwide opportunities
• Conduct financial needs assessments and recommend appropriate JP Morgan Chase products such as business banking, merchant services, and cash management
• Analyze client financial data to underwrite loans and manage credit portfolios while mitigating risks
• Collaborate with internal teams, including credit analysts and product specialists, to deliver seamless client experiences
• Drive revenue growth by identifying cross-selling opportunities for investment and advisory services
• Monitor market trends and regulatory changes in the financial services industry to advise clients proactively
• Prepare and present business reviews to clients, ensuring alignment with their strategic goals
• Ensure compliance with all banking regulations and JP Morgan Chase policies in all client interactions
• Represent JP Morgan Chase at local business events and networking opportunities to enhance brand visibility

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 developing and maintaining client relationships in the financial services sector
• Strong understanding of small business financial products, including loans, lines of credit, and treasury services
• Ability to analyze financial statements and credit risks for small business clients
• Excellent communication and negotiation skills with a focus on client-centric solutions
• Valid driver's license and willingness to travel within the assigned territory

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience working with small businesses in the Philadelphia metropolitan area
• Certification in commercial lending or relationship management (e.g., CCRM)
• Bilingual proficiency in English and Spanish to serve diverse client bases
• Prior experience at a major financial institution like JP Morgan Chase

Required Skills

• Financial analysis and credit underwriting
• Client relationship management
• Sales and business development
• Knowledge of banking regulations (e.g., BSA, AML)
• Proficiency in Microsoft Office Suite and CRM tools like Salesforce
• Strong verbal and written communication
• Negotiation and problem-solving
• Time management and organizational skills
• Analytical thinking for risk assessment
• Customer service orientation
• Adaptability to dynamic market conditions
• Team collaboration and leadership
• Digital banking platform expertise
• Data-driven decision making
• Cultural sensitivity for diverse client interactions

Benefits

• Competitive base salary with performance-based incentives and bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching contributions
• Paid time off, including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement for advanced education
• 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.