Commercial Banker - Emerging Middle Market - Vice President

Location: San Diego, CA, United States

Job Family: Relationship Manager

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of delivering innovative solutions to clients worldwide. As a Commercial Banker - Emerging Middle Market - Vice President in our San Diego office, you will play a pivotal role in our Commercial Banking division, focusing on companies with annual revenues between $10 million and $50 million. This position offers the opportunity to join a dynamic team that provides comprehensive financial advisory services, including lending, treasury management, and capital raising, to help these growing businesses thrive in competitive markets. Reporting to the Regional Market Leader, you will leverage JP Morgan Chase's vast resources and national footprint to build lasting client relationships and drive revenue growth in the vibrant San Diego business ecosystem. Your primary focus will be on originating and managing a portfolio of emerging middle market clients across industries such as technology, life sciences, real estate, and manufacturing. You will conduct in-depth needs assessments to recommend customized solutions, from working capital facilities to acquisition financing, while ensuring all transactions align with our rigorous risk framework. Collaboration is key; you will partner with specialists in areas like trade finance, derivatives, and sustainable lending to deliver end-to-end support. Additionally, you will actively prospect for new opportunities through networking events, referrals, and market intelligence, contributing to the team's ambitious growth targets. This role demands a strategic mindset and hands-on approach in a fast-paced environment. Success at JP Morgan Chase means not only achieving financial metrics but also embodying our core values of integrity, excellence, and client-centric innovation. We offer unparalleled professional development, exposure to senior leadership, and the chance to make a tangible impact on the local economy. If you are a seasoned banker passionate about empowering the next generation of businesses, join us in San Diego to advance your career at one of the world's most admired financial institutions.

Key Responsibilities

• Develop and maintain strategic relationships with emerging middle market clients in San Diego and surrounding areas, delivering tailored financial solutions to support their growth objectives
• Identify new business opportunities by prospecting within the local market, leveraging JP Morgan Chase's national platform to cross-sell products like cash management, foreign exchange, and capital markets services
• Conduct thorough credit analysis and risk assessments for prospective and existing clients, recommending appropriate lending structures in line with bank policies
• Collaborate with internal partners, including treasury services, investment banking, and wealth management teams, to provide holistic advisory services
• Monitor client portfolios to ensure compliance with covenants, manage renewals, and mitigate potential risks through proactive portfolio management
• Prepare and present credit proposals to senior management and credit committees, articulating the business case for financing decisions
• Participate in community outreach and industry events to enhance JP Morgan Chase's brand presence in the San Diego region
• Mentor and coach junior team members to build a high-performing commercial banking team
• Stay abreast of market trends, regulatory changes, and competitive landscape to advise clients on strategic financial planning
• Ensure all activities comply with federal and state regulations, including anti-money laundering (AML) and know-your-customer (KYC) requirements

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 7-10 years of experience in commercial banking, credit analysis, or relationship management within the financial services industry
• Proven track record of managing client portfolios in the emerging middle market segment (companies with $10M-$50M in revenue)
• Strong understanding of commercial lending products, including lines of credit, term loans, and treasury management services
• Active network in the San Diego business community with experience serving diverse industries such as technology, healthcare, and manufacturing
• Ability to underwrite and structure complex credit facilities while adhering to JP Morgan Chase's risk management standards
• Series 7 and 63 licenses or willingness to obtain them

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience working with JP Morgan Chase or a similar large financial institution
• Bilingual proficiency in Spanish, given the diverse client base in San Diego
• Prior leadership experience in mentoring junior bankers or leading cross-functional teams
• Familiarity with sustainable finance and ESG (Environmental, Social, and Governance) considerations in lending

Required Skills

• Commercial credit underwriting and analysis
• Relationship building and client management
• Financial modeling and forecasting
• Knowledge of banking regulations and compliance
• Sales and business development acumen
• Risk assessment and mitigation
• Proficiency in Microsoft Office Suite and banking software (e.g., nCino, Moody's Analytics)
• Strong communication and presentation skills
• Analytical thinking and problem-solving
• Team collaboration and leadership
• Industry knowledge in emerging middle market sectors
• Negotiation and deal structuring
• Time management and prioritization
• Adaptability to dynamic market conditions
• Ethical decision-making and integrity

Benefits

• Competitive base salary with performance-based annual bonuses and incentives
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6% of eligible compensation
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Wellness programs including gym memberships, mental health support, and onsite fitness facilities
• Relocation assistance for eligible candidates moving to San Diego

JP Morgan Chase is an equal opportunity employer.