Commercial Loan Origination Associate I

Location: Tempe, AZ, United States

Job Family: Lending Services

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a proud history of innovation and client-focused solutions. The Commercial Loan Origination Associate I role within our Lending Services team in Tempe, AZ, plays a pivotal part in driving seamless loan transactions for commercial clients. This position involves strategic planning to structure loans that meet client needs while adhering to our rigorous risk management frameworks. Associates will collaborate with cross-functional teams to originate, underwrite, and close commercial loans, ensuring efficiency and compliance in every step of the process. With a focus on mid-market businesses, you'll contribute to JPMorgan Chase's commitment to powering economic growth through accessible financing solutions. Key responsibilities include performing initial credit assessments, managing loan pipelines, and resolving conflicts that arise during transactions. You'll work closely with relationship managers to tailor loan products, such as term loans and lines of credit, to diverse industries including real estate and manufacturing. In this role, you'll leverage JPMorgan Chase's advanced technology platforms to streamline origination processes, from application intake to final disbursement. Emphasis is placed on maintaining the highest standards of regulatory compliance, including adherence to U.S. banking laws and internal policies, to mitigate risks and protect client interests. We seek motivated professionals who thrive in a dynamic environment and are passionate about the financial services industry. This entry-level associate position offers substantial growth opportunities within JPMorgan Chase's expansive Commercial Banking division, where you'll gain exposure to high-impact projects and mentorship from seasoned experts. Located in the vibrant city of Tempe, AZ, this role supports a hybrid work model and is integral to our Western U.S. lending operations. Join us to build a rewarding career while helping clients achieve their financial goals in an inclusive and innovative culture.

Key Responsibilities

• Assist in originating and structuring commercial loans for mid-market clients, ensuring alignment with JPMorgan Chase's risk and profitability standards
• Conduct initial credit analysis and due diligence on potential borrowers, including financial statement reviews and collateral assessments
• Collaborate with relationship managers to develop loan proposals and negotiate terms with clients
• Manage the loan application process from submission to closing, coordinating with internal teams for documentation and approvals
• Identify and resolve conflicts in loan transactions, such as discrepancies in borrower information or regulatory issues
• Monitor loan pipelines and provide strategic insights to optimize transaction efficiency and client satisfaction
• Ensure compliance with federal and state lending regulations, including anti-money laundering (AML) and know-your-customer (KYC) protocols
• Support senior associates in portfolio management and reporting for commercial lending activities
• Participate in client meetings and presentations to drive seamless loan transactions
• Contribute to process improvements in loan origination workflows at JPMorgan Chase

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• At least 1-2 years of experience in commercial lending, loan origination, or financial services
• Strong understanding of commercial loan products, regulations, and compliance requirements
• Proficiency in financial analysis and credit assessment
• Excellent organizational and time management skills
• Ability to work collaboratively in a fast-paced team environment
• U.S. work authorization without sponsorship

Preferred Qualifications

• Experience with JPMorgan Chase systems or similar banking platforms
• Knowledge of syndicated loans and commercial real estate financing
• Advanced certification such as CFA or CPA
• Prior internship or role in a major financial institution
• Familiarity with Tempe, AZ local market dynamics

Required Skills

• Financial modeling and analysis
• Credit risk assessment
• Loan documentation and syndication
• Regulatory compliance (e.g., Dodd-Frank, Basel III)
• Customer relationship management
• Conflict resolution and negotiation
• Data analysis using Excel and financial software
• Attention to detail
• Time management in high-volume environments
• Team collaboration
• Communication (verbal and written)
• Problem-solving
• Adaptability to changing market conditions
• Knowledge of banking systems like Loan IQ
• Strategic planning

Benefits

• Comprehensive medical, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and holidays
• Professional development programs and tuition reimbursement
• Employee stock purchase plan and performance-based bonuses
• Wellness programs with gym memberships and mental health support
• Parental leave and family care benefits
• Flexible work arrangements and commuter assistance

JP Morgan Chase is an equal opportunity employer.