Quality Analyst II

JPMorgan Chase & Co.•Columbus, OH

About The Position

Help protect our customers and the firm by ensuring Business Banking lending is originated with accuracy, integrity, and strong risk discipline. As a Quality Analyst II, you’ll conduct complex quality reviews that directly support compliant growth across Chase Business Banking—including Small Business Administration (SBA) lending. You’ll build deep expertise in lending documentation and regulatory requirements while working alongside a collaborative team focused on continuous improvement. This is a strong opportunity to grow your career in quality, controls, and risk management while making a measurable impact. As a Quality Analyst II within Business Banking, you will conduct complex quality reviews to confirm lending origination processes are completed in accordance with applicable laws, regulations, and internal policies and procedures. You’ll review loan documentation, customer-provided materials, eligibility requirements, and system entries to validate accuracy, completeness, and appropriateness, helping us identify risk and strengthen controls. You may also perform quality reviews related to Home Mortgage Disclosure Act applicability and determination for Business Banking lending activity, including validating required data capture and supporting documentation. When applicable, you’ll support interaction monitoring as part of broader quality assurance efforts. For Small Business Administration loans, you’ll validate that files contain required documentation to support servicing and help enable successful audits and guaranty purchase or repurchase outcomes.

Requirements

5+ years experience in SBA lending, SBA eligibility, and/or SBA documentation experience required.
Advanced familiarity with SBA Standard Operating Procedures
Knowledge of commercial lending concepts and/or lending operations (origination, underwriting support, documentation, imaging/recordkeeping, servicing handoffs).
Strong analytical and problem-solving skills, including root cause analysis and proposing actionable solutions.
Strong written and verbal communication skills; ability to document work clearly and communicate results to stakeholders.
Proficiency in Microsoft Word, Excel, and PowerPoint; comfort with shared repositories (e.g., SharePoint or equivalent).
Strong attention to detail and ability to prioritize work in a fast-paced environment with shifting deadlines.
Demonstrated ability to work collaboratively and handle sensitive information appropriately.

Nice To Haves

Experience performing second-line/independent testing or formal QC/QA in a regulated financial services environment for SBA processes.
Experience supporting audits/exams and evidence production.
Intermediate to advanced Excel skills (e.g., pivot tables, lookups) and experience summarizing results for leadership.
Minimum of 1 year experience in Risk, Fraud, and/or Quality Assurance with legal and financial documents is preferred

Responsibilities

Perform complex validation and quality testing in accordance with documented standards, procedures, and job aids.
Review SBA loan files to assess eligibility/documentation completeness, imaging/record retention, and alignment to established procedures, including SBA Standard Operating Procedures (SOP).
Complete reviews of specialist assessments (including email-based reviews where applicable); evaluate conclusions and manage disputes, reassessments, and escalations following defined escalation protocols.
Prepare clear written documentation (work papers, findings, summaries) and discuss draft findings with process owners.
Identify, document, and communicate issues; perform impact assessments and root cause analysis; recommend corrective actions and control/process improvements.
Monitor changes that may impact testing (e.g., procedure/SBA SOP and HMDA updates) and recommend enhancements to testing approach, job aids, and sampling/coverage.
Maintain working knowledge of applicable SBA Standard Operating Procedures, credit policies, and relevant compliance topics within assigned scope.
Support internal and external reviews (audits/exams) and complete periodic review requests (including IPERIA (Improper Payments Elimination and Recovery Improvement Act) related reviews, where applicable).
Provide training/cross training for new hires and peers; contribute to onboarding and reference materials.
Perform SBA operational support activities as assigned, and act as a liaison with portfolio/servicing partners to support guaranty requests, as needed.
Lead or support projects and special initiatives to improve quality outcomes and operational consistency; deliver on timelines.