Commercial Banker - Startup Banking - Vice President

Location: New York, NY, United States

Job Family: Relationship Manager

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a strong commitment to innovation and supporting the growth of startups. As a Commercial Banker - Startup Banking - Vice President in our Commercial Banking division, you will play a pivotal role in delivering customized financial solutions to high-potential startup and growth-stage companies across the United States. Based in our New York, NY office, you will join a dynamic team focused on building lasting client relationships and driving business expansion in the competitive startup ecosystem. This position offers the opportunity to leverage JP Morgan Chase's vast resources to help clients navigate complex financing needs, from initial funding rounds to scaling operations. Your primary focus will be on originating new relationships and managing an existing portfolio of startup clients in sectors such as technology, fintech, and healthcare. You will conduct in-depth financial analyses, structure lending products like term loans and revolving credit facilities, and integrate treasury and cash management services to optimize client liquidity. Collaborating with cross-functional teams within JP Morgan Chase, including our award-winning investment banking and markets divisions, you will ensure seamless delivery of holistic solutions that align with clients' strategic goals. Additionally, you will stay ahead of market trends, regulatory changes, and venture capital dynamics to provide proactive advice that positions JP Morgan Chase as a trusted partner. This role demands a strategic mindset and the ability to thrive in a fast-paced, entrepreneurial environment. Success will be measured by your ability to grow the startup banking portfolio, mitigate risks through rigorous underwriting, and contribute to JP Morgan Chase's reputation as the premier bank for innovative companies. We offer unparalleled professional development opportunities, exposure to senior leadership, and the chance to impact the future of finance. If you are passionate about empowering startups and have a proven track record in commercial banking, join us to shape the next generation of business leaders.

Key Responsibilities

• Develop and maintain relationships with startup and growth-stage companies to provide tailored financial solutions including loans, lines of credit, and treasury services
• Conduct comprehensive financial analysis and credit assessments to support lending decisions for Commercial Banking clients
• Collaborate with internal teams at JP Morgan Chase, such as investment banking and capital markets, to deliver integrated solutions
• Identify and pursue new business opportunities within the startup banking segment across the United States
• Monitor client portfolios, manage risk, and ensure compliance with regulatory requirements
• Advise clients on cash management, foreign exchange, and other banking products to optimize their financial operations
• Lead deal structuring and negotiations for complex financing arrangements
• Participate in industry events and networking to build JP Morgan Chase's presence in the startup community
• Prepare reports and presentations for senior management on portfolio performance and market trends

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 7-10 years of experience in commercial banking, with a focus on startup or growth-stage companies
• Proven track record in originating and managing commercial lending relationships
• Strong understanding of financial analysis, credit underwriting, and risk assessment in the financial services industry
• Series 7 and 63 licenses or equivalent certifications required
• Experience working with high-growth startups in sectors like technology, fintech, or healthcare

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Prior experience at a major financial institution like JP Morgan Chase or similar
• Knowledge of venture capital funding and startup ecosystems
• Bilingual proficiency in English and another language relevant to client base

Required Skills

• Financial modeling and analysis
• Credit risk assessment
• Relationship management
• Negotiation and deal structuring
• Knowledge of banking regulations (e.g., Basel III, Dodd-Frank)
• Startup financing expertise
• Analytical thinking
• Communication and presentation skills
• Strategic planning
• Team collaboration
• Proficiency in Microsoft Office Suite and financial software (e.g., Bloomberg, Moody's)
• Time management and prioritization
• Adaptability to fast-paced environments
• Client-focused problem-solving
• Understanding of fintech and emerging technologies

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, 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 programs and tuition reimbursement for advanced education
• Employee stock purchase plan and other investment opportunities
• Wellness programs including gym memberships and mental health support
• Flexible work arrangements and commuter benefits in New York, NY

JP Morgan Chase is an equal opportunity employer.