Banker Associate- Emerging Middle Market- Associate

Location: Albany, NY, 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 banking solutions to businesses of all sizes. The Banker Associate - Emerging Middle Market - Associate role within our Commercial Banking division is pivotal in supporting the growth of emerging companies in the Albany, NY region. As a Relationship Manager, you will join a dynamic team dedicated to providing comprehensive financial services, including lending, treasury management, and advisory solutions, to clients navigating the complexities of the middle market. This position offers the opportunity to contribute to JP Morgan Chase's mission of empowering businesses to thrive in a competitive landscape, leveraging our vast resources and expertise to foster long-term client partnerships. In this role, you will be responsible for cultivating and expanding relationships with emerging middle market clients, typically those with annual revenues of $10 million to $100 million. Your day-to-day will involve conducting in-depth financial analyses, structuring customized credit facilities, and collaborating with cross-functional teams to deliver holistic banking solutions. Based in Albany, NY, you will engage with local industries such as manufacturing, technology, and healthcare, identifying opportunities to address clients' evolving needs amid economic shifts. Success in this position requires a blend of analytical prowess and interpersonal skills to build trust and drive revenue growth for both clients and JP Morgan Chase. We value professionals who are passionate about financial services and committed to excellence. As part of JP Morgan Chase, you will have access to world-class training, cutting-edge technology, and a supportive culture that promotes innovation and inclusion. This associate-level role is an excellent platform for career advancement within our esteemed institution, where your contributions directly impact the success of emerging businesses and the broader economy in the Northeast United States.

Key Responsibilities

• Develop and maintain strong relationships with emerging middle market clients in Albany, NY, providing tailored banking solutions
• Conduct financial analysis and credit underwriting to support lending decisions for clients with revenues between $10M-$100M
• Collaborate with internal teams to deliver comprehensive financial products, including cash management, treasury services, and capital markets solutions
• Identify new business opportunities by prospecting and networking within the local business community
• Monitor client portfolios to ensure compliance with credit agreements and mitigate risks
• Prepare and present credit proposals and financial recommendations to senior management
• Advise clients on industry trends, economic factors, and strategic financial planning
• Participate in community outreach and business development events to enhance JP Morgan Chase's presence in the region
• Ensure all client interactions adhere to JP Morgan Chase's risk management and regulatory standards

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 3-5 years of experience in commercial banking, relationship management, or financial services
• Proven track record in managing client relationships within middle market or emerging companies
• Strong understanding of credit analysis, financial modeling, and risk assessment
• Ability to travel up to 25% within the Albany region and surrounding areas
• Series 7 and 63 licenses or willingness to obtain them
• Excellent communication and presentation skills for client interactions

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience working with emerging middle market companies in the Northeast US
• Prior exposure to JP Morgan Chase's Commercial Banking products and services
• Bilingual proficiency in English and Spanish, given the diverse client base in Albany
• Knowledge of regulatory compliance in banking, such as Dodd-Frank and Basel III

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Client relationship management
• Sales and business development
• Proficiency in Microsoft Office Suite and financial software like Bloomberg
• Knowledge of commercial lending products
• Strong analytical and problem-solving abilities
• Excellent verbal and written communication
• Negotiation and deal structuring
• Time management and organizational skills
• Adaptability to fast-paced environments
• Team collaboration and leadership
• Regulatory compliance awareness
• Data interpretation and reporting
• Strategic thinking for client advisory

Benefits

• Competitive base salary plus performance-based incentives and bonuses
• 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, including tuition reimbursement and leadership training
• Employee stock purchase plan and access to financial wellness resources
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements and hybrid options where applicable

JP Morgan Chase is an equal opportunity employer.