Quality Analyst II

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 youll conduct complex quality reviews that directly support compliant growth across Chase Business Bankingincluding Small Business Administration (SBA) lending. Youll 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. Youll 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 youll support interaction monitoring as part of broader quality assurance efforts. For Small Business Administration loans youll 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 qualificationscapabilities 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 qualificationscapabilities 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