Banker Associate, Emerging Middle Market - Associate

Location: San Francisco, 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 service excellence. The Banker Associate, Emerging Middle Market - Associate role within our Commercial Banking division offers an exciting opportunity to join a dynamic team dedicated to empowering emerging middle market companies with comprehensive banking and financial solutions. Based in the vibrant San Francisco, CA office, you will play a pivotal role in fostering long-term client relationships, driving business growth, and delivering customized strategies that align with clients' evolving needs in sectors like technology, healthcare, and real estate. This position is ideal for a motivated professional passionate about the financial services industry and eager to contribute to JP Morgan Chase's mission of enabling economic progress. As a Banker Associate, you will manage a portfolio of high-potential clients, conducting in-depth financial analyses, structuring lending and treasury solutions, and collaborating across multidisciplinary teams to provide holistic advisory services. Your day-to-day responsibilities will include identifying growth opportunities, mitigating risks through robust credit processes, and leveraging JP Morgan Chase's vast resources in capital markets and investment banking. In this client-facing role, you will engage with C-suite executives, offering insights on market trends, regulatory compliance, and sustainable financing options, all while upholding our commitment to ethical banking practices and diversity in the workplace. We value associates who bring energy, expertise, and a collaborative spirit to our team. This role not only offers exposure to sophisticated financial products but also provides pathways for career advancement within one of the world's most admired financial institutions. Join JP Morgan Chase in San Francisco and be part of shaping the future of commercial banking for emerging leaders in the middle market.

Key Responsibilities

• Develop and maintain strong relationships with emerging middle market clients, providing tailored banking and financial solutions
• Identify and pursue new business opportunities within the San Francisco Bay Area market
• Conduct comprehensive financial analysis and credit assessments to support lending decisions
• Collaborate with internal teams, including credit, treasury, and investment banking, to deliver integrated solutions
• Monitor client portfolios, ensuring compliance with regulatory requirements and risk mitigation strategies
• Prepare and present business plans, proposals, and performance reports to senior management
• Advise clients on cash management, capital markets, and strategic financing options
• Participate in community and industry events to enhance JP Morgan Chase's brand presence
• Manage a portfolio of 20-30 client relationships, driving revenue growth and client satisfaction
• Stay abreast of industry trends, regulatory changes, and competitive landscape in commercial banking

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 commercial banking
• Ability to travel up to 20% for client meetings and business development
• Series 7 and 63 licenses or willingness to obtain them
• Excellent communication and presentation skills with a client-focused approach

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience working with emerging middle market companies in technology, healthcare, or consumer sectors
• Bilingual proficiency in English and Mandarin or Spanish, given the diverse client base in San Francisco
• Prior experience at a top-tier financial institution like JP Morgan Chase
• Knowledge of sustainable finance and ESG (Environmental, Social, and Governance) principles

Required Skills

• Financial modeling and analysis
• Credit underwriting and risk assessment
• Client relationship management
• Business development and sales acumen
• Proficiency in Microsoft Office Suite and financial software like Bloomberg
• Strong analytical and problem-solving abilities
• Excellent verbal and written communication
• Negotiation and deal structuring
• Knowledge of banking regulations (e.g., Dodd-Frank, Basel III)
• Time management and organizational skills
• Team collaboration and leadership
• Adaptability to fast-paced environments
• Data interpretation and reporting
• Strategic thinking for client advisory
• Cultural sensitivity for diverse client interactions

Benefits

• Competitive base salary and performance-based annual bonus
• 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 access to financial wellness resources
• On-site fitness centers and wellness programs at JP Morgan Chase facilities
• Flexible work arrangements, including hybrid options in San Francisco

JP Morgan Chase is an equal opportunity employer.