Originator - Asset Based Lending - Vice President

Location: Atlanta, GA, United States

Job Family: Client Sales

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of delivering innovative banking solutions to our clients. As an Originator - Asset Based Lending - Vice President in our Commercial Banking division, you will play a pivotal role in providing tailored asset-based lending (ABL) solutions to middle-market companies. Based in Atlanta, GA, this position focuses on originating, structuring, and managing ABL facilities that leverage client assets like accounts receivable, inventory, and equipment to support their growth and working capital needs. You will join a dynamic team dedicated to fostering long-term client partnerships while navigating the complexities of the financial services landscape in the Southeast US. Your primary focus will be on proactively sourcing new business opportunities within targeted industries such as manufacturing, wholesale, and retail. This involves conducting in-depth financial analysis, performing collateral audits, and collaborating with cross-functional teams to craft competitive ABL proposals that align with JP Morgan Chase's rigorous risk standards. You will engage directly with C-suite executives, financial advisors, and internal stakeholders to negotiate terms, close transactions, and ensure seamless execution. Additionally, you will monitor ongoing portfolio performance, addressing any covenant issues or amendments to maintain strong client relationships and portfolio health. Success in this role requires a deep understanding of ABL mechanics, including borrowing base calculations and field examinations, combined with the ability to thrive in a high-volume, client-centric environment. At JP Morgan Chase, you will have access to cutting-edge tools, extensive market insights, and a collaborative culture that empowers you to drive impactful results. This Vice President-level position offers significant opportunities for career advancement within our global institution, contributing to the firm's mission of enabling economic growth for businesses of all sizes.

Key Responsibilities

• Identify and originate new asset-based lending opportunities with Commercial Banking clients in the Atlanta region
• Conduct thorough due diligence on client assets, including field examinations and collateral appraisals
• Structure and negotiate ABL facilities, ensuring alignment with JP Morgan Chase risk policies and client needs
• Build and maintain strong relationships with middle-market borrowers, advisors, and internal teams
• Collaborate with credit, legal, and syndication teams to underwrite and close deals efficiently
• Monitor portfolio performance, manage covenant compliance, and mitigate risks in existing ABL facilities
• Develop market intelligence on ABL trends and competitor activities to inform business development strategies
• Prepare detailed proposals, presentations, and reports for senior management and clients
• Support cross-selling of additional JP Morgan Chase products like treasury services and capital markets solutions
• Ensure all activities comply with regulatory requirements and internal controls

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 7-10 years of experience in asset-based lending, commercial banking, or related financial services
• Proven track record in originating and structuring ABL deals for middle-market clients
• Strong understanding of collateral valuation, borrowing bases, and risk assessment in asset-based financing
• Experience with financial modeling, credit analysis, and due diligence processes
• Active network within the commercial banking sector, particularly in the Southeast US
• Series 7 and 63 licenses or equivalent certifications

Preferred Qualifications

• MBA or advanced degree in Finance
• Prior experience at a major financial institution like JP Morgan Chase
• Familiarity with syndicated lending and capital markets
• Knowledge of industry-specific assets such as inventory, receivables, and equipment
• Bilingual skills, particularly Spanish, for diverse client base in Atlanta

Required Skills

• Asset-based lending expertise
• Financial modeling and analysis
• Credit underwriting and risk management
• Client relationship building
• Negotiation and deal structuring
• Due diligence and collateral evaluation
• Market analysis and business development
• Regulatory compliance knowledge
• Proficiency in Microsoft Excel and financial software
• Strong communication and presentation skills
• Team collaboration and leadership
• Attention to detail and problem-solving
• Time management in fast-paced environments
• Industry knowledge of manufacturing and distribution sectors
• Analytical thinking for complex financial scenarios

Benefits

• Competitive base salary and performance-based bonus structure
• 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 financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase facilities
• Flexible work arrangements and hybrid options for work-life balance

JP Morgan Chase is an equal opportunity employer.