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Treasury and Payments

Improve your working capital, reduce fraud and minimize the impact of unexpected disruptions with our treasury solutions—from digital portals to integrated payables and receivables—all designed to make your operations smoother and more efficient.

Learn more about our treasury solutions:

Credit and Financing

Prepare for future growth with customized loan services, succession planning and capital for business equipment or technology.

Learn more about our credit and financing solutions:

Commercial Real Estate

Get the strategic support to be successful throughout market and real estate cycles with insights, hands-on service, comprehensive financial solutions and unrivaled certainty of execution.

Learn more about our commercial real estate solutions:

International Banking

Global opportunities mean global challenges. But real success means understanding the local markets you serve—which is why we bring the business solutions, insights and market perspective you need. 

Learn more about our international banking solutions:

Asset Based Lending

Enhance your liquidity and gain the flexibility to capitalize on growth opportunities with balance sheet-based solutions.

Andrew Ray

Andrew Ray

Managing Director and Group Head of the ABL Credit Markets

Andrew Ray is a Managing Director and Group Head of the ABL Credit Markets team at J.P. Morgan, focusing on the origination & execution of all syndicated ABL loans. He also leads our Talent Development team whose priority is to attract, develop and retain junior talent across the business. 

Andrew joined J.P. Morgan in 2007 and he holds a bachelor’s degree in finance from The University of Texas. Andrew sits on the Finance Committee for Texas Exes, the Ex-Students Association for The University of Texas and the Investment & Finance Committee for The Secured Finance Network. He also serves on the Advisory Board for Saint Thomas Aquinas Catholic School in Dallas.

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