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Asset Based Lending Credit Support Analyst

JPMorganChase•Charlotte, NC

About The Position

As a Credit Support Analyst within JPMorganChase, you will help maintain the integrity of the credit portfolio by assessing borrower compliance with credit agreement terms. You will identify potential defaults in syndicated loans and bilateral agreements using your understanding of financial covenants. Guided by established routines, you will apply critical thinking to semi-routine tasks and escalate non-routine issues to senior team members. The role also involves using conflict management, emotional intelligence, and stakeholder management skills to facilitate discussions and create collaborative solutions. Effective time management is important for providing courteous and effective client service.

Requirements

  • Foundational knowledge of credit agreement terms and financial covenants, with the ability to interpret and apply them.
  • Ability to perform tasks accurately by adhering to well-defined policies, procedures, and techniques.
  • Developing proficiency in conflict management, including identifying conflicts of interest and facilitating collaborative discussions.
  • Emerging active-listening and questioning skills, including using non-verbal cues to empathize and ask insightful questions.
  • Strong time-management and organizational skills, including the ability to handle multiple tasks effectively.

Nice To Haves

  • Foundational capability in continuous improvement and process automation to optimize lending workflows and operational efficiency.
  • Developing digital literacy to support effective use of technology in lending services.
  • Emerging skill in creating quantitative reports to track lending performance and support data-driven strategic planning.
  • Growing proficiency in leading project-management efforts and aligning lending service initiatives with strategic objectives.
  • Exposure to AI-enabled business tools and willingness to adopt emerging technologies that support process improvement and operational excellence.

Responsibilities

  • Assess compliance with credit agreement terms for a designated portfolio of borrowers, identifying potential defaults and covenant breaches.
  • Interpret financial and other covenants in credit agreements and ensure accurate setup of co-borrowers, guarantors, and other parties in the bank's system of record.
  • Conduct credit analysis and monitor ongoing compliance with financial covenants within the assigned portfolio, using critical thinking to identify potential risks.
  • Calculate cash flow and leverage ratios in accordance with credit agreement terms.
  • Manage time to meet quality control standards and service level agreements, completing tasks accurately and on time.

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