Banker Associate, Emerging Middle Market - Associate

Location: Irvine, CA, 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 innovation and client focus. As a Banker Associate, Emerging Middle Market - Associate in our Commercial Banking division, you will play a pivotal role in serving dynamic emerging middle market companies with annual revenues typically between $10 million and $500 million. Based in Irvine, California, this position offers the opportunity to join a high-performing team dedicated to delivering comprehensive banking solutions, including lending, treasury services, and advisory support, to help clients navigate growth opportunities in competitive industries such as technology, healthcare, and consumer products. You will report to a seasoned Relationship Manager and contribute to building lasting partnerships that drive mutual success in the vibrant Southern California market. Your day-to-day responsibilities will involve conducting in-depth financial analyses, structuring customized financing solutions, and collaborating with cross-functional teams to execute complex transactions. You will proactively identify client needs, mitigate risks through rigorous credit reviews, and leverage JP Morgan Chase's global resources to provide strategic advice on capital markets and mergers & acquisitions. This role demands a blend of analytical rigor and interpersonal finesse, as you engage with C-suite executives to foster trust and deliver value-added insights amid evolving economic landscapes. Success in this position will be measured by your ability to grow the portfolio, enhance client satisfaction, and contribute to the firm's reputation as a trusted advisor in commercial banking. We seek motivated professionals who thrive in a collaborative, meritocratic culture and are passionate about the financial services industry. This associate-level role provides ample opportunities for career advancement within JP Morgan Chase, including exposure to senior leadership and international projects. If you are ready to make an impact on innovative businesses while advancing your expertise in a world-class institution, join us in Irvine to shape the future of middle market banking.

Key Responsibilities

• Develop and maintain strong relationships with emerging middle market clients, providing tailored banking and financial solutions
• Conduct comprehensive financial analysis and credit assessments to support lending decisions
• Collaborate with internal teams to deliver integrated products including cash management, treasury services, and capital markets solutions
• Identify new business opportunities and drive revenue growth within the Commercial Banking division
• Monitor client portfolios for risk and ensure compliance with JP Morgan Chase's policies and regulatory requirements
• Prepare and present business plans, proposals, and reports to senior management and clients
• Support deal structuring and execution for mergers, acquisitions, and financing needs
• Mentor junior team members and contribute to team development initiatives
• Stay abreast of industry trends and market conditions to advise clients proactively
• Participate in community outreach and networking events to enhance JP Morgan Chase's presence in the Irvine market

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 the middle market segment
• Strong understanding of credit analysis, lending products, and risk management in the financial services industry
• Ability to work in a fast-paced environment and meet regulatory compliance standards
• Excellent communication and negotiation skills with a focus on client-centric solutions
• Proficiency in financial modeling and analysis tools

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience working with emerging middle market companies in technology, healthcare, or manufacturing sectors
• Series 7 and 63 licenses or equivalent certifications
• Prior experience at a major financial institution like JP Morgan Chase
• Bilingual skills, particularly in Spanish, given the diverse client base in Irvine, CA

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Client relationship management
• Negotiation and deal structuring
• Regulatory compliance knowledge
• Proficiency in Microsoft Excel and financial software (e.g., Bloomberg, Moody's)
• Strong verbal and written communication
• Problem-solving and analytical thinking
• Time management and prioritization
• Team collaboration and leadership
• Market research and industry trend analysis
• Sales and business development
• Attention to detail in reporting
• Adaptability to changing economic conditions
• Ethical decision-making in high-stakes environments

Benefits

• Competitive base salary and performance-based annual 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 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 hybrid options for work-life balance

JP Morgan Chase is an equal opportunity employer.