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Wealth Management - Securities Based Lending Team Analyst /Associate (Italian Speaker)

Req #: 180012265
Location: Edinburgh, SCT, UK
Job Category: Credit
Potential Referral Amount: 2500 Pound Sterling (GBP)

Business Description

J.P. Morgan Asset & Wealth Management, with client assets of $2.4 trillion, is a global leader in investment and wealth management. Its clients include institutions, high-net-worth individuals and retail investors in every major market throughout the world. The division offers investment management across all major asset classes including equities, fixed income, alternatives, multi-asset and money market funds. For individual investors, the business also provides retirement products and services, brokerage and banking services including trusts and estates, loans, mortgages and deposits.


Position Description


The Securities Based Lending Team (SBL) is Wealth Managements centre of excellence for underwriting loans that are fully secured by marketable securities. The role involves analysing, negotiating, pricing and documenting lines of credit, including standby letters of credit. The team will also review other transactions that have an element of credit risk (including derivatives).


Key Responsibilities:

  • Interact with internal partners (Bankers, Investors, Lending Solutions, Credit Executives) and private clients to deliver the best fully secured credit product solution with a sound credit structure.

  • Maintain a consistently high level of awareness around any potential credit issues. Proactively resolve exceptions, including under margin situations, past review facilities, past due principal/interest and documentation exceptions.

  • Take into account the risk/reward proposition when negotiating loan rates and must employ a discipline around loan pricing and structure.

  • Prepare credit memos which should completely outline the proposed credit structure including accurate risk rating assessment and any potential collateral issues (e.g. security concentrations).

  • Ensure follow up on all relevant open items and transactional issues, e.g. documentation, covenants, etc.

  • Ensure all new credit requests and annual reviews are completed in a timely fashion.

Skills Required:

  • A Business, Finance or Mathematics degree/qualification or relevant commercial experience.
  • Private Banking credit risk or lending experience.
  • Knowledge and/or experience of underwriting, lending value analysis, return on equity assessment, KYC, cross border validation.
  • General understanding of financial markets and securities industry.
  • Knowledge and experience of  systems such as Bloomberg is advantageous.
  • Strong communication and interpersonal skills.
  • Good organizational skills and ability to work with minimal supervision.
  • Ability to work well in an integrated team environment.
  • Track record in working with teams from various markets /countries
  • Proficiency in Excel, Word and PowerPoint.
  • For this role English and Italian language fluency is required; other language skills are an advantage.

JPMorgan Chase & Co. offers an exceptional benefits program and a highly competitive compensation package.


JPMorgan Chase & Co. is an Equal Opportunity Employer. 
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