Join JPMorganChase's Wholesale Lending Services and help safeguard credit quality across our Commercial & Investment Bank portfolio. Partner with Risk, Credit, and Operations to ensure borrowers meet complex financial and legal covenants. Grow your expertise in syndicated and bilateral loan structures while making a measurable impact.
Job Summary
As a Credit Monitoring Analyst within Wholesale Lending Services, you assess borrower compliance with financial and legal covenants. You interpret complex credit agreements, configure covenant reporting in bank systems, and track ongoing compliance for syndicated and bilateral facilities. You collaborate across risk and operations to resolve documentation discrepancies and uphold quality standards
Job Responsibilities
- Configure reporting requirements and financial covenants in bank systems for new credit agreements.
- Translate legal and structural terms into operational monitoring requirements for compliance.
- Conduct periodic reviews and continuous monitoring of borrower covenants and collateral.
- Interpret complex attorney- and externally prepared agreements to determine required party set-ups.
- Review documentation and monitor compliance across bilateral and syndicated facilities.
- Independently calculate cash flow, leverage ratios, and covenant values per agreement terms.
- Perform detailed borrowing base calculations and reconciliations for secured lending & Validate collateral documentation, including AR aging's, inventory listings, and ineligible summaries.
- Compare executed agreements to credit approvals/term sheets to identify and report discrepancies. Adhere to quality control standards and service-level agreements with internal partners.
- Partner with Risk, Credit, and Operations to resolve documentation and operational clarifications.
Required qualifications, capabilities, and skills
- Hold a bachelor's degree in business, accounting, finance, or related field.
- Minimum 3 years experience in Credit Monitoring/Administration/Review or Loan Operations in commercial, business, or investment banking.
- Demonstrate proficiency in reviewing and interpreting credit agreements and syndicated loan structures.
- Maintain strong knowledge of facility types (revolvers, term loans, LCs, bridge loans, asset-based structures).
- Apply working knowledge of asset-based lending, real estate banking, and collateral/security valuation.
- Understand loan products and documentation for revolving lines, term loans, and borrowing bases.
- Communicate clearly in writing and verbally exhibit meticulous attention to detail, risk discipline, time management, and independence use MS Excel and MS Office at high proficiency.
Preferred qualifications, capabilities, and skills
- Leverage experience configuring covenant and collateral monitoring in enterprise bank systems.
- Utilize advanced Excel skills (e.g., complex formulas, pivot tables, reconciliation models).
- Navigate syndicated agency workflows and bilateral lender operations effectively.
- Collaborate with cross-functional stakeholders to drive timely document alignment and remediation.
- Interpret nuanced covenant language and exceptions to advise on monitoring approaches.
- Manage concurrent deadlines in a high-volume environment with consistent accuracy.
- Contribute to continuous improvement of monitoring controls, metrics, and documentation standards.
