John P. Discepola

Vice President, Lead Credit Officer @JPMorganChase

Scottsdale, AZ, US

Underwriting for new and existing middle market & corporate client relationships, including private equity-owned companies, with revenues ranging from $20 million to $2 billion. Conduct credit assessments and risk evaluations aligned with the institution’s risk appetite and financial goals. Provide oversight for credit decisions, leveraging market knowledge to drive portfolio growth and stability.Key Responsibilities: • Client Relationship Management:Build and maintain strong relationships with private equity owners and management teams, balancing growth objectives with rigorous credit quality standards to protect institutional interests. • Credit Structuring & Execution:Lead credit structuring in partnership with bankers, product specialists, clients, and legal counsel to ensure efficient transaction execution that aligns with institutional risk parameters. • Complex Transaction Management:Manage risk analysis and structuring of complex transactions, including private credit, direct lending, and multi-tiered capital structures, collaborating with investment banking, debt capital markets, and leveraged finance teams. • Risk Evaluation:Assess smaller relationships swiftly, recommending efficient credit structures that provide necessary risk protection while avoiding complexity. • Portfolio Oversight:Monitor portfolio performance, ensuring renewals and modifications meet credit metrics, and proactively address workout situations. • Team Development:Mentor junior analysts, underwriters, and bankers, promoting continuous learning and professional growth. • Credit Authority & Risk Governance:Exercise credit authority within established risk frameworks, ensuring compliance with regulatory standards and institutional policies.

Saint Joseph's University

Master of Business Administration - MBA

Ursinus College

Bachelor of Arts (B.A.)