Financial Analysis - Business Banking Lending Finance - Vice President

Job Summary

Turn complex lending performance and pricing questions into clear insights that influence real decisions. In this role, your analysis will directly shape small business lending strategy and outcomes. You’ll work across Product, Risk, Credit Decisioning, Legal, and Compliance to deliver well-governed pricing recommendations. If you enjoy ambiguity and building scalable ways of working, you’ll have meaningful impact and visibility.

Job summary

As a Vice President in Business Banking Lending Finance, you will support pricing analysis, forecasting, and management reporting across the wholesale lending portfolio. You will translate business cases into financial performance analysis and deliver actionable insights that help leaders make informed decisions. You will partner closely across functions to interpret results, guide key decisions, and support initiatives from concept through implementation and ongoing monitoring. You will also help improve the efficiency and scalability of management reporting while maintaining strong governance and controls.

Job responsibilities

- Partner with Product, Credit Decisioning, and Risk leaders to shape lending pricing strategy from concept through implementation and ongoing performance monitoring.
- Develop and maintain financial analysis models and tools in partnership with modeling teams, ensuring strong controls, clear documentation, and long-term sustainability.
- Evaluate relationship-based pricing and discount requests through economic analysis, including profitability, shareholder value added, and return on equity.
- Govern key economic, capital, and expense assumptions and deliver decision-ready analysis that informs product strategy and business cases.
- Maintain and refresh pricing parameters, including rate grids, floors and ceilings, segmentation, and other key pricing levers.
- Execute ad hoc analyses and deep dives on key business questions, including pricing tests that assess trade-offs across rate, volume, risk, and profitability, and translate findings into clear recommendations.
- Enhance management reporting by centralizing data, modernizing tools, and enabling self-service insights while maintaining strong controls.

Required qualifications, capabilities, and skills

- 7+ years of progressive experience in finance, financial planning and analysis, business management, banking, or related analytical functions.
- Bachelor’s degree in finance, statistics, accounting, or a related field.
- Demonstrated ability to analyze and interpret profit and loss statements, balance sheets, net interest income, expenses, and key performance drivers.
- Advanced financial modeling and forecasting experience, including scenario analysis, sensitivity analysis, and trend analysis.
- Experience developing business cases supported by quantitative and qualitative analysis, including return-on-investment assessments, net present value calculations, and break-even analysis.
- Demonstrated ability to identify, quantify, and explain variances between actual and planned performance, determine root causes, and recommend actions.
- Knowledge of common performance metrics, including return on equity, return on assets, and discounted cash flow concepts.
- Advanced proficiency in Microsoft Excel and Microsoft PowerPoint, including building interactive reporting and analysis tools.
- Demonstrated ability to translate complex financial analyses into clear, actionable insights for senior leaders and stakeholders.
- Demonstrated ability to collaborate across functions, influence decisions, and manage multiple priorities with strong attention to detail.

Preferred qualifications, capabilities and skills

- Experience with lending products and pricing, including rate grids, floors and ceilings, segmentation, and pricing parameter governance.
- Experience building financial models and analytics tools with strong control standards.
- Familiarity with wholesale lending portfolios and profitability frameworks used in financial performance assessment.

Additional Information

To be eligible for this role, you must be authorized to work in the United States. We do not offer any type of employment-based immigration sponsorship for this role (including but not limited to H1B, H4–EAD, OPT, TN, or L visas). Likewise, JPMorgan Chase & Co. will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit, including optional practical training (OPT) or curricular practical training (CPT). This role is not eligible for relocation assistance.