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As a Credit Monitoring Analyst within our Credit Assessment Team, you will be tasked with evaluating compliance with credit agreement terms for a designated portfolio of borrowers. Your role will involve interpreting financial and other covenants included in credit agreements to ascertain whether borrowers are adhering to the terms of the credit agreements or are in default. The credit agreements you will be working with encompass syndicated loans and bilateral agreements.

Job responsibilities

• Determine whether borrowers have breached covenants, and as a result, have defaulted on the terms of their credit agreements

• Interpret complex attorney/externally prepared credit agreements and other legal documents to determine which co-borrowers, guarantors, and other parties to the agreements require set up in bank's system of record for future covenant compliance evaluation

• Perform credit analysis, review documentation, and monitor ongoing compliance with financial covenants within an assigned portfolio of borrowers with bilateral agreements and syndicated loans from different lending institutions

• Independently calculate cash flow, leverage ratios, and required covenant values in accordance with specific terms laid out in credit agreements

• Develop strong knowledge of secured lending products including borrowing base credit facilities

• Determine the grid-based performance pricing that applies to borrowers, so the bank gets adequately compensated for credit risk

• Adhere to the quality control standards that have been set for the process and to service level agreements WLS has with its internal business partners

Required qualifications, capabilities and skills

• Bachelor's degree in Business/Accounting

• 3 or more years of experience in banking and/or doing financial analysis

• Ability to identify and summarize key points in written reviews of credit-related transactions

• Understanding of loan products, including documentation, for revolving lines of credit, term loans, borrowing bases, etc.

• Strong verbal and written communication to effectively communicate with various stakeholders and across levels

• Ability to work independently with minimum supervision including demonstration of good time management

• High proficiency in using MS Office tools including MS Excel

JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans