Wealth Management, Private Bank, PLP Borrower Specialist, Analyst

Location: New York, NY, United States

Job Family: Capital Advisory

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client-centric solutions. As a Wealth Management, Private Bank, PLP Borrower Specialist, Analyst, you will play a pivotal role in our Capital Advisory team, focusing on the Private Label Program (PLP) that delivers tailored lending solutions to our ultra-high-net-worth clients. Based in our state-of-the-art office in New York, NY, this position offers the opportunity to work with elite professionals in a dynamic environment where your expertise in borrower analysis directly impacts client success and firm growth. You will support the Private Bank's mission to provide seamless, sophisticated wealth management services, leveraging JP Morgan's vast resources to advise on complex borrowing needs in a rapidly evolving financial landscape. In this analyst role, you will dive deep into credit evaluations, collaborating closely with relationship managers to craft bespoke financing strategies that align with clients' investment goals and risk profiles. Your days will involve rigorous financial analysis, portfolio monitoring, and cross-functional partnerships with compliance and risk teams to ensure all activities meet JP Morgan's stringent standards. This position is ideal for a detail-oriented professional passionate about private banking, where you can contribute to high-stakes decisions that enhance client trust and drive revenue in our Capital Advisory pillar. Joining JP Morgan Chase means becoming part of a culture that values diversity, innovation, and professional development. We offer robust support for your career progression, including access to industry-leading training and mentorship programs. If you thrive in a collaborative, high-performance setting and are eager to advance in wealth management, this role provides the platform to make a meaningful impact while benefiting from our comprehensive rewards and work-life balance initiatives.

Key Responsibilities

• Conduct thorough credit assessments and borrower due diligence for PLP participants to ensure compliance and risk mitigation
• Collaborate with wealth advisors and relationship managers to structure customized lending solutions for high-net-worth clients
• Analyze financial statements, cash flows, and collateral to recommend appropriate loan terms and pricing
• Monitor ongoing borrower portfolios, identifying potential risks and opportunities for portfolio optimization
• Prepare detailed reports and presentations for senior management and clients on lending strategies and performance
• Ensure adherence to JP Morgan's internal policies, regulatory standards, and ethical guidelines in all advisory activities
• Support the development of innovative capital advisory products tailored to private banking needs
• Liaise with legal, compliance, and risk teams to facilitate smooth transaction execution
• Contribute to client meetings, providing expert insights on borrowing options and market conditions
• Assist in training junior team members on PLP processes and best practices in wealth management lending

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 2 years of experience in wealth management, private banking, or lending within the financial services industry
• Strong understanding of borrower credit analysis, loan structuring, and risk assessment
• Knowledge of regulatory requirements such as Dodd-Frank, Basel III, and SEC guidelines relevant to private lending
• Proficiency in financial modeling and data analysis tools
• Excellent communication skills with the ability to interact with high-net-worth clients
• Series 7 and Series 63 licenses or willingness to obtain them

Preferred Qualifications

• Advanced degree (MBA) or certifications like CFA or CPA
• Experience working in a private bank environment at a major financial institution
• Familiarity with JP Morgan's Private Label Program (PLP) or similar bespoke lending products
• Prior exposure to capital advisory services for ultra-high-net-worth individuals
• Bilingual capabilities, particularly in Spanish or Mandarin, to serve diverse client bases

Required Skills

• Financial modeling and valuation techniques
• Credit risk analysis and underwriting
• Proficiency in Microsoft Excel, Bloomberg, or similar financial software
• Strong analytical and problem-solving abilities
• Excellent verbal and written communication
• Client relationship management
• Attention to detail and accuracy in data handling
• Regulatory compliance knowledge
• Team collaboration and interpersonal skills
• Time management and prioritization under pressure
• Adaptability to fast-paced financial environments
• Ethical decision-making and integrity
• Presentation and negotiation skills
• Basic understanding of investment products and markets
• Data interpretation and reporting

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan's compensation philosophy
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Wellness programs including gym memberships, mental health support, and onsite fitness facilities in NYC
• Flexible work arrangements and commuter benefits for New York-based employees

JP Morgan Chase is an equal opportunity employer.