JPMorgan Wealth Management Securities Based Lending Analyst

Location: Newark, DE, United States

Job Family: Securities Based Lending

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. As a Securities Based Lending Analyst in our Wealth Management division, you will play a critical role in underwriting and managing lines of credit secured by marketable securities. This position, based in Newark, DE, involves supporting high-net-worth clients by assessing credit risks, valuing collateral, and ensuring the robustness of our lending portfolio. You will work closely with wealth advisors to meet client needs while upholding our commitment to risk management and regulatory compliance in a dynamic financial landscape. Your primary responsibilities will include evaluating loan applications, performing detailed collateral analysis on equities, bonds, and other securities, and monitoring portfolio performance amid market fluctuations. You will conduct stress tests, prepare credit reports, and collaborate on strategies to optimize lending solutions, all while adhering to JP Morgan Chase's stringent internal controls and industry standards. This role demands a keen eye for detail and the ability to navigate complex financial scenarios, contributing directly to the growth and stability of our wealth management offerings. We seek candidates who are analytical, proactive, and passionate about the financial services industry. Joining JPMorgan Chase means becoming part of a supportive team that values professional growth, innovation, and work-life balance. With opportunities for advancement and exposure to cutting-edge tools, this position is ideal for those looking to advance their career in securities-based lending within a world-class institution.

Key Responsibilities

• Underwrite new securities-based lending lines of credit, evaluating collateral quality and borrower creditworthiness
• Monitor and maintain existing loan portfolios, including ongoing collateral valuations and margin call management
• Conduct risk assessments and stress testing on securities-backed loans to ensure compliance with internal and regulatory standards
• Collaborate with wealth management advisors to support client credit needs and portfolio optimization
• Prepare detailed credit memos, reports, and recommendations for senior management review
• Analyze market trends and securities performance to adjust lending parameters and mitigate risks
• Ensure adherence to JP Morgan Chase's risk management policies and procedures
• Support portfolio management by identifying potential issues and recommending remediation strategies
• Assist in the development of lending products tailored to high-net-worth clients
• Maintain accurate documentation and records for all lending activities in compliance with audit requirements

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 2-3 years of experience in credit underwriting, lending, or financial analysis within the financial services industry
• Strong understanding of marketable securities, collateral valuation, and risk assessment
• Proficiency in financial modeling and credit analysis tools
• Excellent analytical and problem-solving skills
• Ability to work independently and collaboratively in a fast-paced environment
• U.S. work authorization required

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications (e.g., CFA Level I or FRM)
• Experience in securities-based lending or wealth management at a major financial institution
• Knowledge of regulatory requirements for lending products (e.g., SEC, FINRA guidelines)
• Prior exposure to JP Morgan Chase systems or similar banking platforms
• Demonstrated success in managing high-net-worth client portfolios

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Knowledge of marketable securities and valuation methods
• Proficiency in Microsoft Excel and financial software (e.g., Bloomberg, Moody's Analytics)
• Regulatory compliance awareness (SEC, FINRA)
• Attention to detail and accuracy
• Strong communication and interpersonal skills
• Analytical thinking and problem-solving
• Time management and prioritization
• Team collaboration and client relationship management
• Data interpretation and reporting
• Stress testing and scenario analysis
• Ethical decision-making in high-stakes environments
• Adaptability to market volatility
• Basic understanding of wealth management principles

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching contributions
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and access to internal training programs
• Employee stock purchase plan and other financial wellness benefits
• Wellness programs, including gym memberships and mental health support
• Flexible work arrangements and hybrid work options where applicable

JP Morgan Chase is an equal opportunity employer.