Commercial Banker - Disruptive Commerce & Internet Banking - Vice President

Location: San Francisco, CA, United States

Job Family: Relationship Manager

About the Role

At JP Morgan Chase, we are at the forefront of financial innovation, and our Commercial Banking division is seeking a Vice President Commercial Banker specializing in Disruptive Commerce & Internet Banking to join our dynamic team in San Francisco, CA. As a key member of the Relationship Management team, you will provide tailored financial solutions to high-growth clients in the rapidly evolving sectors of e-commerce, digital payments, and internet-based businesses. Leveraging JP Morgan's global resources and expertise, you will help these disruptive companies navigate complex financing needs, from venture debt to working capital optimization, in one of the world's leading tech hubs. This role offers the opportunity to work with innovative startups and established players, contributing to their success while driving revenue growth for JP Morgan Chase. In this position, you will build and nurture long-term client relationships, acting as a trusted advisor on financial strategy and market opportunities. Your responsibilities will include originating new business, structuring customized credit facilities, and collaborating with internal partners to deliver seamless banking services. You will conduct in-depth industry analysis to anticipate client needs in areas like supply chain finance and digital transformation, ensuring all solutions align with JP Morgan's rigorous risk management standards. Based in our San Francisco office, you will engage with a diverse portfolio of clients across the United States, capitalizing on the Bay Area's vibrant ecosystem of commerce and technology innovators. JP Morgan Chase values professionals who thrive in a collaborative, high-performance culture. As a Vice President, you will have access to extensive training, mentorship, and career advancement opportunities within our world-class institution. If you have a passion for the intersection of finance and technology, and a proven ability to deliver results in competitive markets, we invite you to bring your expertise to our team and help shape the future of commercial banking.

Key Responsibilities

• Develop and maintain strategic relationships with commercial banking clients in the disruptive commerce and internet banking sectors
• Originate, structure, and negotiate complex financing solutions including loans, lines of credit, and treasury services tailored to client needs
• Conduct thorough credit analysis and risk assessments to support lending decisions and portfolio management
• Collaborate with cross-functional teams at JP Morgan Chase, including investment banking and capital markets, to deliver integrated financial solutions
• Monitor client performance, identify growth opportunities, and provide proactive advice on market trends and regulatory changes
• Drive business development efforts to expand JP Morgan's client base in San Francisco and surrounding regions
• Ensure compliance with all internal policies, federal regulations, and industry standards in all client interactions
• Prepare and present credit proposals, deal memos, and performance reports to senior management
• Leverage data analytics and industry insights to advise clients on optimizing their financial strategies in a rapidly evolving digital economy

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 7-10 years of experience in commercial banking, relationship management, or financial services
• Proven track record in originating and managing commercial loans and credit facilities for mid-market clients
• Deep knowledge of the disruptive commerce and internet banking sectors, including e-commerce, fintech, and digital payment ecosystems
• Strong understanding of credit analysis, risk management, and regulatory compliance in the financial services industry
• Active network within the technology and commerce industries in the San Francisco Bay Area
• Series 7 and 63 licenses or equivalent certifications required

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience working with high-growth startups or disruptive tech companies in Silicon Valley
• Prior roles at a major financial institution like JP Morgan Chase or similar
• Familiarity with alternative financing solutions such as venture debt or revenue-based financing
• Bilingual skills, particularly in Mandarin or other languages common in tech hubs

Required Skills

• Commercial lending and credit underwriting
• Relationship management and client acquisition
• Financial modeling and analysis
• Knowledge of fintech and e-commerce trends
• Risk assessment and mitigation
• Negotiation and deal structuring
• Regulatory compliance (e.g., FDIC, OCC guidelines)
• Data analytics and CRM tools (e.g., Salesforce)
• Strategic thinking and problem-solving
• Communication and presentation skills
• Industry networking and business development
• Proficiency in Microsoft Office Suite and financial software
• Adaptability to fast-paced, innovative environments
• Team collaboration across multidisciplinary groups
• Understanding of treasury and cash management services

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company match
• 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 JP Morgan's global mobility opportunities
• Wellness programs, including gym memberships and mental health support
• Flexible work arrangements and hybrid office options in San Francisco

JP Morgan Chase is an equal opportunity employer.