Job DescriptionThe Consumer & Community Banking Capital Markets - Portfolio team manages approximately $500B of balance sheet assets across Residential, Auto, and Commercial Real Estate. The platform spans the full loan lifecycle, including product development, originations, hedging, asset-liability management, servicing strategy, and exit execution through loan sales and securitization. The team has built a leading securitization and risk transfer platform across flagship shelves such as CHASE, CHAOT, and CACLN, with over $70B of loan trading activity and a top-tier presence in the market.
As a Mortgage Loan Trader - Vice President in Consumer & Community Banking Capital Markets, you will be primarily focused on Commercial Real Estate, while also playing an active role in residential mortgage trading and securitization, including direct involvement in structuring transactions and developing execution strategies. You will combine credit underwriting, structuring, and market execution, with a strong emphasis on relative value, balance sheet optimization, and idea generation.
This is a newly created role intended to both support the continued growth of the residential securitization platform and help build out CRE trading and portfolio capabilities.
Job responsibilities- Evaluate and execute CRE and residential mortgage loan trading opportunities, including whole loans, participations, and structured portfolios
- Identify relative value opportunities and translate analysis into actionable trade ideas and investment recommendations
- Develop and articulate relative value views to Sales and investors to support distribution, marketing, and execution outcomes
- Partner with Sales and correspondent/origination channels to source loan volume and drive market engagement
- Provide input into and help guide loan pricing and rate sheet strategy for origination, informed by market execution levels and securitization outcomes
- Support structuring and execution of securitizations and capital markets transactions across CRE and residential mortgage platforms
- Analyze collateral, cash flows, and structural features to optimize pricing, execution, and capital efficiency
- Develop and implement hedging strategies for loan pipelines and inventory using appropriate market instruments
- Manage portfolio positioning across credit, liquidity, and interest rate risks in coordination with ALM and Risk
- Present desk performance, portfolio strategy, and new business initiatives to senior leadership
- Contribute to development of new products, structures, and platform capabilities, particularly in CRE trading and residential securitization
Required qualifications, skills and capabilities- 5+ years of experience in Commercial Real Estate and/or Residential Mortgage finance, trading, or structured products
- Commercial Real Estate capital markets or trading experience, with familiarity across residential mortgage markets
- Structuring experience across CRE and/or Residential mortgage transactions including securitization or complex loan executions
- Deep understanding of CRE and/or Residential mortgage credit, capital structures, and market dynamics
- Proven ability to perform relative value analysis and translate insights into trade ideas and investor narratives; Strong communication skills with the ability to present analytics, strategy, and business ideas to Sales, investors, and senior leadership
- Strong financial modeling skills, including cash flow analysis, scenario testing, and bond math; familiarity with loan pricing, rate sheet development, and hedging strategies for loan pipelines (e.g., TBAs, derivatives, or other instruments)
- Commercial mindset with the ability to originate ideas, source opportunities, and drive execution, while developing and articulating relative value views to Sales and investors to support distribution and execution
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.
About the TeamOur 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.
For many, owning a home is the ultimate dream and we're here to help customers make responsible choices throughout the home buying process through our online tools and advice. Whether purchasing a first home or vacation home, refinancing an existing loan or tapping into a home equity line of credit, we offer comprehensive services to help homeowners at every stage of their journey.
