Asset Based Lending Credit Support Analyst

About the Role

As a Credit Support Analyst within JPMorganChase, you will play a key role in maintaining the integrity of the credit portfolio by assessing borrower compliance with credit agreement terms. Your focus will be on identifying potential defaults in syndicated loans and bilateral agreements using your understanding of financial covenants. Guided by established routines, you will apply critical thinking to semi-routine tasks and escalate non-routine issues to senior team members. You will also use your skills in conflict management, emotional intelligence, and stakeholder management to facilitate discussions and create collaborative solutions. Effective time management is crucial for delivering courteous and effective service to clients.

Key Responsibilities

• Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and breaches of covenants.
• Interpret financial and other covenants in credit agreements, ensuring accurate setup of co-borrowers, guarantors, and other parties in the bank's system of record.
• Conduct credit analysis and monitor ongoing compliance with financial covenants within the assigned portfolio, applying critical thinking skills to identify potential risks.
• Calculate cash flow and leverage ratios in accordance with credit agreement terms, ensuring accurate calculations.
• Manage time effectively to adhere to quality control standards and service level agreements, ensuring timely and accurate completion of tasks.

Requirements & Tech Stack

• Foundational knowledge of credit agreement terms and financial covenants, with the capability to interpret and apply them effectively.
• Proven ability to perform tasks accurately by adhering to well-defined policies, procedures, and techniques.
• Developing proficiency in conflict management, with skills to identify conflicts of interest and facilitate discussions for collaborative solutions.
• Emerging skills in active listening and questioning, utilizing non-verbal cues to empathize and ask insightful questions.
• Strong time management and organizational skills, efficiently handling multiple tasks to achieve goals effectively.

Preferred Qualifications

• Foundational capability in driving continuous improvement and process automation, optimizing lending workflows and enhancing operational efficiency.
• Developing proficiency in digital literacy, supporting the effective use of technology in lending services.
• Emerging skill in creating quantitative reports to track lending performance and support strategic planning with data-driven insights.
• Growing proficiency in leading project management efforts, ensuring successful execution of lending service initiatives and alignment with strategic objectives.
• Exposure to AI-enabled business tools and willingness to adopt emerging technologies that support process improvement and operational excellence.

About Us

JPMorganChase is one of the oldest financial institutions, offering innovative financial solutions to millions of consumers, small businesses, and many of the world's most prominent corporate, institutional, and government clients under the J.P. Morgan and Chase brands.

Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.