Chase Commercial Banking - Commercial Banking Analyst Program
The following full-time opportunities are available to undergraduate students in their senior year. When applying for this
position, please include your cumulative GPA with resume. Please also specify the client area or product segment that
interests you the most.
Job Title: Commercial Banking Analyst
Locations: Chicago, Illinois and the surrounding areas
Chase Commercial Banking Business Description
Commercial Banking provides the full range of JPMorgan Chase commercial and investment banking services to entities with
annual sales of $10 million to $2 billion. Chase Commercial Banking includes five businesses: Middle Market Banking, Mid-
Corporate Banking, Commercial Real Estate, Business Credit, and Equipment Leasing. Our client base extends across the U.S.
and includes over 30,000 relationships with companies, foundations, charitable organizations and government agencies. Today,
few financial services organizations can match our breadth of services and expertise in this sector.
The Commercial Banking Analyst Program at JPMorgan Chase gives new hires exposure to underwriting, pitching and
execution activities as members of diverse and inclusive teams. The Commercial Banking Program includes the three client
areas and the two product segments listed below:
I. Middle Market Banking
Middle Market Banking serves entities with annual sales of $10 to $500 million. The group is the second largest Middle Market
bank in the U.S. in terms of market share, with a leadership position in 10 of the top 25 major metropolitan areas it serves.
Within Middle Market Banking, the principal product is credit: revolvers, term loans, equipment loans, commercial loans and
mortgages, and other forms of financing. Middle Market Banking provides financial advice to clients, serving as a conduit to
cash management, credit, corporate finance/investment banking, international banking services, and investments.
II. Real Estate Banking
Commercial Real Estate is national in scope and services investors and developers of for-sale housing, multifamily rental, retail,
office, and industrial properties. The group leads with loan products and, together with product partners across the firm,
supports our cross-selling efforts. Commercial Real Estate also houses Corporate Mortgage Finance, the Real Estate Advisory
Group and the Real Estate Banking Mezzanine and Investment Group.
III. Specialized Industries
Specialized Industries is a national Commercial Banking segment that provides dedicated sales, credit, and services to clients
throughout the entire United States in the following target sectors: International, Government, Financial Institutions, Not for
Profit, and Healthcare.
IV. Business Credit
The Business Credit segment is a leading national provider of highly structured asset based financing for an array of leveraged
financing needs. The group is a full service provider with dedicated field examination, collateral monitoring and loan servicing
support for both syndicated and sole lender transactions. The Business Credit segment is national in scope and is responsible
for all asset-based lending activities originating in both the Commercial Bank and the Investment Bank, serving as a product
resource to the entire firm.
V. Equipment Leasing
Equipment Leasing supports the Commercial Banking businesses while also serving as a product resource to the Private Bank,
Private Client Services and the Investment Bank. Equipment Leasing works with mid-size companies and large corporations
with equipment financing needs. Like the other Commercial Banking business units, the Equipment Leasing segment is also
national in scope.
The Commercial Banking Analyst Program is an 18-36 month program designed to develop an analyst’s strong foundation in
credit. An analyst will be placed in one of the following five businesses: Middle Market Banking, Real Estate Banking,
Specialized Industries, Business Credit, or Equipment Leasing. Placement will be determined based on analyst preference and
As a Commercial Banking Analyst, one is expected to perform as a fully contributing member of the business unit and is also
exposed to a variety of businesses within the Commercial Bank. Through this experience, analysts gain an understanding of
how the various groups work together to identify and respond to client needs.
Responsibilities of a Commercial Banking Analyst include underwriting (focusing on credit and financial analysis), researching
industries and markets, supporting the Banker and Underwriter, and gaining client exposure. Analysts are an integral part of the
Commercial Banking team, and have access to senior officers of the firm. Analysts are challenged to perform at the highest
levels of excellence in a demanding environment.
Placement within the Commercial Banking Analyst Program will lead to potential career paths as either an Underwriter I or
Banker. An Underwriter is a contributing member of the business development team, whose primary function is to develop
credit structure for clients. A Banker’s primary role is business development, retaining and growing professional client
relationships. Career progression will be determined based upon potential career path, individual performance, and market
A training program of up to 15 weeks includes the following four areas of study:
Financial accounting- presents the concepts and logic underlying the reporting of financial information
Market dynamics- introduces universal principles of financial markets and market-based economics
Corporate finance- equips one with the fundamentals needed to analyze a company's capital structure
Financial and risk analysis- provides a framework for risk assessment
Candidates interested in the full-time Commercial Banking Analyst Program should have:
Completed their undergraduate degrees - All majors are considered; business and finance preferred
Cumulative GPA of 3.2 or higher
Strong analytical, quantitative, and writing skills
Outstanding interpersonal/communication skills
Excellent leadership and teamwork skills
Strong work ethic and desire to learn continuously
Attention to detail
Ability to multi-task within the dynamic environment of the financial services industry to meet deadlines and exceed
Permanent and/or unrestricted authorization to work in the U.S.
Please visit us on-line at jpmorganchase.com/careers to learn more.
JPMorgan Chase is an equal opportunity and affirmative action employer M/F/D/V.