Description

Help protect our customers and the firm by ensuring Business Banking lending is originated with accuracy, integrity, and strong risk discipline. As a Quality Analyst II, you'll conduct complex quality reviews that directly support compliant growth across Chase Business Banking-including Small Business Administration (SBA) lending. You'll build deep expertise in lending documentation and regulatory requirements while working alongside a collaborative team focused on continuous improvement. This is a strong opportunity to grow your career in quality, controls, and risk management while making a measurable impact.

As a Quality Analyst II within Business Banking, you will conduct complex quality reviews to confirm lending origination processes are completed in accordance with applicable laws, regulations, and internal policies and procedures. You'll review loan documentation, customer-provided materials, eligibility requirements, and system entries to validate accuracy, completeness, and appropriateness, helping us identify risk and strengthen controls. You may also perform quality reviews related to Home Mortgage Disclosure Act applicability and determination for Business Banking lending activity, including validating required data capture and supporting documentation. When applicable, you'll support interaction monitoring as part of broader quality assurance efforts. For Small Business Administration loans, you'll validate that files contain required documentation to support servicing and help enable successful audits and guaranty purchase or repurchase outcomes.

Job Responsibilities

• Perform complex validation and quality testing in accordance with documented standards, procedures, and job aids.
• Review SBA loan files to assess eligibility/documentation completeness, imaging/record retention, and alignment to established procedures, including SBA Standard Operating Procedures (SOP).
• Complete reviews of specialist assessments (including email-based reviews where applicable); evaluate conclusions and manage disputes, reassessments, and escalations following defined escalation protocols.
• Prepare clear written documentation (work papers, findings, summaries) and discuss draft findings with process owners.
• Identify, document, and communicate issues; perform impact assessments and root cause analysis; recommend corrective actions and control/process improvements.
• Monitor changes that may impact testing (e.g., procedure/SBA SOP and HMDA updates) and recommend enhancements to testing approach, job aids, and sampling/coverage.
• Maintain working knowledge of applicable SBA Standard Operating Procedures, credit policies, and relevant compliance topics within assigned scope.
• Support internal and external reviews (audits/exams) and complete periodic review requests (including IPERIA (Improper Payments Elimination and Recovery Improvement Act) related reviews, where applicable).
• Provide training/cross training for new hires and peers; contribute to onboarding and reference materials.
• Perform SBA operational support activities as assigned, and act as a liaison with portfolio/servicing partners to support guaranty requests, as needed.
• Lead or support projects and special initiatives to improve quality outcomes and operational consistency; deliver on timelines.

Required qualifications, capabilities, and skills

• 5+ years experience in SBA lending, SBA eligibility, and/or SBA documentation experience required.
• Advanced familiarity with SBA Standard Operating Procedures
• Knowledge of commercial lending concepts and/or lending operations (origination, underwriting support, documentation, imaging/recordkeeping, servicing handoffs).
• Strong analytical and problem-solving skills, including root cause analysis and proposing actionable solutions.
• Strong written and verbal communication skills; ability to document work clearly and communicate results to stakeholders.
• Proficiency in Microsoft Word, Excel, and PowerPoint; comfort with shared repositories (e.g., SharePoint or equivalent).
• Strong attention to detail and ability to prioritize work in a fast-paced environment with shifting deadlines.
• Demonstrated ability to work collaboratively and handle sensitive information appropriately.

Preferred qualifications, capabilities, and skills

• Experience performing second-line/independent testing or formal QC/QA in a regulated financial services environment for SBA processes.
• Experience supporting audits/exams and evidence production.
• Intermediate to advanced Excel skills (e.g., pivot tables, lookups) and experience summarizing results for leadership.
• Minimum of 1 year experience in Risk, Fraud, and/or Quality Assurance with legal and financial documents is preferred

About Us

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

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.

Equal Opportunity Employer/Disability/Veterans

About the Team

\n Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.\n
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\n Our business bankers work in the Consumer Bank to provide financial solutions to small business owners across the U.S. Customers turn to us for financing and advice as they start, run and grow their businesses. We partner with clients throughout the process, investing in our communities and people for the long-term.\n