Home Lending Portfolio Manager II

Location: Columbus, OH, United States

Job Family: Portfolio Management

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client-focused solutions. As a Home Lending Portfolio Manager II in our Consumer Banking division, you will play a pivotal role in managing one of the largest home lending portfolios in the U.S., supporting millions of customers in achieving their homeownership dreams. Based in Columbus, OH, this position offers the opportunity to contribute to Chase's commitment to responsible lending while driving portfolio performance in a dynamic economic landscape. You will work within a collaborative team environment, leveraging cutting-edge tools and data-driven insights to ensure our lending practices remain robust and compliant. In this role, you will oversee a diverse portfolio of mortgage and home equity products, conducting in-depth analyses to monitor credit quality, liquidity, and overall health. Responsibilities include performing stress tests, identifying risk exposures, and recommending proactive measures to mitigate potential losses. You will partner closely with underwriting, sales, and risk management teams to align portfolio strategies with broader business goals, such as expanding access to affordable housing. Your expertise will be crucial in navigating regulatory requirements and adapting to market shifts, ensuring that JP Morgan Chase maintains its position as a trusted leader in home lending. We value professionals who bring analytical rigor and a passion for financial services. This position not only offers professional growth through exposure to high-stakes decision-making but also the chance to impact communities by fostering sustainable lending practices. Join us to advance your career in a firm renowned for its stability, innovation, and dedication to employee development.

Key Responsibilities

• Monitor and manage a portfolio of home lending assets, ensuring alignment with risk appetite and performance targets
• Conduct regular credit reviews and stress testing to identify potential delinquencies or defaults
• Collaborate with underwriting teams to approve or adjust loan terms based on portfolio health
• Develop and implement strategies to optimize portfolio yield while minimizing credit losses
• Analyze market trends and economic indicators to forecast portfolio performance and recommend adjustments
• Ensure compliance with federal and state regulations, including fair lending practices and anti-money laundering protocols
• Prepare detailed reports and presentations for senior management on portfolio metrics and risks
• Liaise with cross-functional teams, including sales, legal, and compliance, to support overall lending objectives
• Identify opportunities for portfolio diversification and growth in the home lending sector
• Mentor junior portfolio managers and contribute to team training on best practices

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 5 years of experience in portfolio management, credit risk analysis, or lending operations within the financial services industry
• Strong understanding of home lending products, including mortgages, home equity loans, and refinancing options
• Proficiency in financial modeling, risk assessment, and regulatory compliance standards such as Dodd-Frank and Basel III
• Experience with portfolio monitoring tools and data analytics software
• Ability to analyze large datasets to identify trends and mitigate risks in loan portfolios
• CFA, FRM, or similar professional certification

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance)
• 7+ years in home lending or consumer banking at a major financial institution
• Experience with JP Morgan Chase systems or similar enterprise banking platforms
• Knowledge of emerging fintech trends in lending and portfolio optimization
• Proven track record in managing high-value portfolios exceeding $500M

Required Skills

• Financial analysis and modeling
• Risk assessment and mitigation
• Data analytics and visualization (e.g., Excel, Tableau)
• Knowledge of lending regulations and compliance
• Portfolio optimization techniques
• Credit underwriting and evaluation
• Strategic planning and forecasting
• Communication and stakeholder management
• Problem-solving and decision-making
• Attention to detail and accuracy
• Proficiency in SQL or similar database querying
• Understanding of economic indicators
• Team collaboration and leadership
• Adaptability to changing market conditions
• Report writing and presentation skills

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 parental leave
• Tuition reimbursement for professional development and advanced education
• Employee stock purchase plan and performance-based bonuses
• Wellness programs including gym memberships and mental health support
• Flexible work arrangements and hybrid options in Columbus, OH
• Access to JP Morgan's global learning and development resources

JP Morgan Chase is an equal opportunity employer.