Do you have a strong banking finance, mortgage, or credit background—and want to apply it to a large, high-profile mortgage portfolio? Join the Global Private Bank (GPB) Mortgage Finance team within Asset & Wealth Management Finance & Business Management (F&BM). You’ll work closely with Finance, Treasury, Credit Risk, and model stakeholders, turning balance sheet, credit, and profitability drivers into clear insights for senior management.
As a Mortgage Finance Analytics Finance & Business Management (F&BM) Senior Associate in GPB Mortgage Finance, you will support the GPB Deposit & Mortgage business across credit loss reserving (CECL), regulatory stress testing (CCAR), and financial forecasting and budgeting. This role emphasizes a strong Finance, mortgage, and credit foundation, paired with the ability to pull, analyze, and interpret data. You’ll execute quarterly reserving and stress testing processes, translate complex model outputs and balance sheet drivers into executive-ready insights, and collaborate across Finance, Treasury, and Credit Risk while driving process improvements and regulatory compliance.
Job Responsibilities- Execute quarterly CECL reserve and CCAR/stress testing processes for the mortgage portfolio, and analyze and explain the key drivers of the results
- Analyze stress testing and reserving outputs, summarizing key themes and presenting insights to senior management
- Perform ad hoc analytics to support Credit Risk, including credit cost trends and model result interpretation
- Collaborate with stakeholders to enhance and monitor forecasting frameworks across revenue, credit, and prepayment risks
- Support the mortgage outlook, budget, and forecast, including balances, net interest income (NII), funds transfer pricing (FTP)/cost of funds, client rates, and spreads
- Translate complex model outputs and balance sheet drivers into clear, executive-ready insights
- Pull, analyze, and interpret large data sets to support Finance and business decision-making
- Support model implementation activities, including user acceptance testing (UAT), validation, and ongoing monitoring
- Ensure compliance with regulatory requirements and adherence to the firmwide Model Risk Policy
- Drive process improvements through automation, simplification, and enhancement of internal controls
- Bachelor’s degree in Finance, Economics, Business, or a related field
- 3+ years of experience in at least one of: banking finance/FP&A, forecasting, credit risk or credit analytics, stress testing, or reserving (CECL/ALLL)
- Strong understanding of core banking concepts such as the balance sheet, P&L, NII, cost of funds/FTP, CECL, or credit losses
- Strong analytical and problem-solving skills, with the ability to pull, analyze, interpret, and synthesize data into clear insights
- Advanced Excel skills, including working with large datasets and complex formulas
- Working knowledge of SQL, Python, or SAS, with willingness to develop these skills further on the job
- Strong communication skills, with the ability to effectively engage stakeholders, including senior leadership
- Direct mortgage experience (mortgage, residential lending, or consumer credit)
- Hands-on exposure to CECL, CCAR/DFAST, or other regulatory stress testing
- Experience at a large/regional bank or a Big Four/consulting organization
- Programming experience in Python, R, SAS, or similar tools
- Experience with data visualization or analytics tools such as Tableau or Alteryx
- Exposure to forecasting models, prepayment analytics, or credit risk modeling
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of 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
Skills Required
- Bachelor's degree in Finance, Economics, Business, or a related field
- 3+ years of experience in banking finance or FP&A, forecasting, credit risk or credit analytics, stress testing, or reserving such as CECL or ALLL
- Strong understanding of balance sheets, P&L, NII, cost of funds or FTP, CECL, or credit losses
- Strong analytical and problem-solving skills, including the ability to analyze, interpret, and synthesize data
- Advanced Excel skills, including large datasets and complex formulas
- Working knowledge of SQL, Python, or SAS
- Strong communication and stakeholder engagement skills, including communication with senior leadership
- Direct mortgage, residential lending, or consumer credit experience
- Hands-on exposure to CECL, CCAR, DFAST, or other regulatory stress testing
- Experience at a large or regional bank or Big Four or consulting organization
- Programming experience in Python, R, SAS, or similar tools
- Experience with data visualization or analytics tools such as Tableau or Alteryx
- Exposure to forecasting models, prepayment analytics, or credit risk modeling
JPMorganChase Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about JPMorganChase and has not been reviewed or approved by JPMorganChase.
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Healthcare Strength — Medical coverage and wellness resources, including mental-health support and wellness incentives, are described as comprehensive and accessible; feedback suggests income-based contributions help keep care affordable.
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Retirement Support — A dollar-for-dollar 401(k) match up to 5% of eligible pay, plus additional employer contributions in some cases, is highlighted as a strong pillar of financial security. Feedback suggests this structure is a notable advantage of the total rewards package.
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Parental & Family Support — Up to 16 weeks of paid parental leave for all parents, along with fertility, adoption, surrogacy, childcare, and family-support resources, signals a family-forward approach. Feedback suggests these programs are a standout feature of the package.
JPMorganChase Insights
What We Do
JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands. Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products. Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com. ©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.
Why Work With Us
Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.
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