Business Relationship Manager Senior Deepening - Vice President

Location: Sacramento, 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 Senior Deepening - Vice President in our Commercial Banking division, you will play a pivotal role in supporting over 3 million small businesses across the United States. Based in Sacramento, CA, this position focuses on deepening existing relationships with small business owners in the region, helping them navigate financial challenges and seize growth opportunities through our comprehensive suite of banking solutions. You will be part of a dynamic team that leverages JP Morgan Chase's vast resources to deliver personalized advice on lending, payments, and treasury services, all while upholding our reputation as one of the world's most trusted banks. In this senior role, your primary focus will be on managing a high-value portfolio of small business clients, conducting thorough financial consultations, and identifying cross-selling opportunities for products like lines of credit, merchant processing, and investment services. You will collaborate closely with credit teams to assess risks and structure deals that align with clients' unique needs, ensuring compliance with federal regulations and JP Morgan Chase's rigorous standards. Additionally, you will drive business development initiatives by networking within the Sacramento community, attending local events, and building referrals to expand our client base. Success in this position requires a deep understanding of the small business landscape, particularly in sectors like retail, real estate, and professional services prevalent in the area. We value professionals who thrive in a fast-paced environment and are passionate about empowering small businesses to succeed. As a Vice President, you will also contribute to mentoring junior team members and sharing insights on market trends. Joining JP Morgan Chase means access to cutting-edge technology, ongoing training, and a culture that prioritizes work-life balance and diversity. If you have a proven track record in relationship management and a drive to make a tangible impact, this role offers an exciting opportunity to advance your career while contributing to the economic vitality of Sacramento's small business community.

Key Responsibilities

• Manage and deepen relationships with a portfolio of over 200 small business clients in the Sacramento region, identifying opportunities to cross-sell JP Morgan Chase products such as business loans, merchant services, and treasury management
• Conduct in-depth financial needs assessments to recommend tailored solutions that drive client growth and retention
• Collaborate with internal teams, including credit analysts and product specialists, to structure complex financing deals
• Monitor client portfolios for performance, proactively addressing risks and ensuring compliance with lending standards
• Develop and execute business development strategies to acquire new small business clients through networking and referrals
• Provide expert guidance on cash management, payment solutions, and digital banking tools to enhance client operations
• Represent JP Morgan Chase at local business events and chambers of commerce to build brand visibility
• Prepare detailed reports on portfolio performance and contribute to team goals for revenue growth
• Ensure all client interactions adhere to JP Morgan Chase's ethical standards and regulatory requirements
• Mentor junior relationship managers to foster team development and knowledge sharing

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 7 years of experience in commercial banking, relationship management, or financial services
• Proven track record of managing and growing portfolios of small business clients
• Strong understanding of credit analysis, risk management, and financial products for small businesses
• Excellent communication and negotiation skills with the ability to build long-term client relationships
• Ability to travel within the Sacramento area as needed to meet with clients
• Series 6 and 63 licenses or willingness to obtain them

Preferred Qualifications

• MBA or advanced degree in Finance
• Experience working with small businesses in the technology or healthcare sectors
• Bilingual proficiency in Spanish, given the diverse client base in Sacramento
• Prior experience at a major financial institution like JP Morgan Chase
• Knowledge of regulatory compliance in the banking industry, including FDIC guidelines

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Client relationship management
• Sales and business development
• Negotiation and deal structuring
• Knowledge of banking regulations
• Proficiency in financial software like Bloomberg or internal JP Morgan tools
• Data analysis and reporting
• Strategic planning and portfolio management
• Communication and presentation skills
• Problem-solving and decision-making
• Team collaboration and leadership
• Adaptability to market changes
• Customer service orientation
• Digital banking and fintech awareness

Benefits

• Competitive base salary plus performance-based bonuses and incentives
• Comprehensive health, 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 Chase's learning programs
• Employee stock purchase plan and 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.