Banker Associate - Emerging Middle Market – Associate

Location: Washington, DC, 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 solutions to clients worldwide. As a Banker Associate - Emerging Middle Market – Associate in our Commercial Banking division, you will play a pivotal role in supporting the growth of emerging middle market companies in the Washington, DC area. This position focuses on building and nurturing client relationships, offering comprehensive banking services including lending, treasury management, and advisory solutions tailored to businesses with revenues typically between $10 million and $500 million. You will work closely with a dynamic team to drive client success, leveraging JP Morgan Chase's vast resources to help these companies navigate complex financial landscapes and achieve their strategic objectives. Your day-to-day responsibilities will involve conducting in-depth financial analyses, structuring credit facilities, and identifying opportunities for cross-selling JP Morgan Chase products such as cash management, foreign exchange, and capital markets services. You will engage directly with C-suite executives and decision-makers, providing expert guidance on market trends, regulatory changes, and financing strategies specific to the emerging middle market. This role requires a blend of analytical prowess and interpersonal skills to foster long-term partnerships, while ensuring all activities align with our rigorous risk management and compliance frameworks. Based in Washington, DC, you will contribute to a vibrant office environment that emphasizes innovation and client-centric service. Joining JP Morgan Chase means becoming part of a world-class institution committed to your professional growth. We offer unparalleled training programs, exposure to senior leaders, and opportunities to advance within our Commercial Banking platform. If you are passionate about financial services and excited to support the next generation of businesses, this role provides the platform to make a meaningful impact while advancing your career in a supportive, high-performance culture.

Key Responsibilities

• Develop and maintain relationships with emerging middle market clients, providing tailored banking and financial solutions
• Conduct financial analysis, credit underwriting, and risk assessments for client portfolios
• Collaborate with cross-functional teams including credit, treasury, and capital markets to deliver comprehensive services
• Identify business development opportunities and grow revenue through new client acquisitions and expansions
• Monitor client performance, market trends, and economic conditions to advise on strategic financial decisions
• Prepare and present credit proposals, loan structures, and financing options to senior management
• Ensure compliance with JP Morgan Chase policies, regulatory requirements, and industry standards
• Support client onboarding, portfolio management, and ongoing advisory services
• Participate in community and industry events to enhance JP Morgan Chase's presence in Washington, DC
• Mentor junior team members and contribute to team goals in the Commercial Banking division

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 work in a fast-paced environment and travel as needed
• Series 7 and 63 licenses or willingness to obtain them
• U.S. work authorization without sponsorship

Preferred Qualifications

• MBA or advanced degree in Finance or related field
• Experience in the emerging middle market segment, particularly with companies in growth phases
• Knowledge of regulatory compliance in commercial banking (e.g., Dodd-Frank, Basel III)
• Prior experience at a major financial institution like JP Morgan Chase
• Bilingual skills, especially in Spanish, for diverse client bases in Washington, DC

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk management
• Client relationship building
• Business development and sales acumen
• Knowledge of commercial lending products
• Regulatory compliance expertise
• Proficiency in Microsoft Office Suite and financial software (e.g., Bloomberg, Moody's)
• Strong communication and presentation skills
• Analytical thinking and problem-solving
• Time management and organizational abilities
• Team collaboration and leadership
• Market research and economic trend analysis
• Negotiation and deal structuring
• Attention to detail in documentation
• Adaptability to dynamic financial environments

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 financial wellness resources
• On-site fitness centers, wellness programs, and mental health support
• Flexible work arrangements and commuter benefits for Washington, DC location

JP Morgan Chase is an equal opportunity employer.