Risk Management - Key Relationship Group - Lead Credit Officer

Bring your expertise to JPMorgan Chase.  As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve real-world challenges that impact our company, customers and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo and striving to be best-in-class. 

As a Risk Management - Key Relationship Group - Lead Credit Officer in Risk Management, you will be part of a team that performs independent technical and specialized analysis of Commercial Real Estate relationships, involving complex and larger size portfolios of $35MM+ of debt collateralized primarily by stabilized apartment complexes. 

Job Responsibilities

• Perform complex real estate based financial analysis, identifying risks, and interpreting data for management's use in rendering sound credit decisions.  Analysis is based on property operating statements, rent rolls, client’s financial balance sheet, schedule of real estate owned and verification of deposit statements and understanding of current market conditions and the implication on overall portfolio.
• Complete credit actions (annual family credit reviews) which summarizes the financial analysis completed on a client’s portfolio, including recommendations for future business.
• Analyze troubled loans, including quarterly reporting to top management.
• Actively contribute to special assignments, including the evaluation of income property loan portfolios, training less experienced credit officer/analyst or division employees, and updating credit policies.
• Formulate new analytical processes and enhancing existing reports to improve the quality of information available to top management.
• Establish and maintain effective relationships with internal and external clients.
   

Required Qualifications, Capabilities and Skills

• Bachelor’s Degree or equivalent experience.
• Previous 7+ experience in credit analysis and review of commercial real estate loans, risk assessment, real estate lending in financing, credit review and analysis loan review and/or loan workouts.
• Deep understanding of Commercial Real Estate valuation concepts and methodologies. Extensive working experience with historical property cash flow analysis.
• Strong organizational and time‐management skills – ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results.
• Excellent written and verbal communication skills.
• Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems.

 

Preferred Qualifications, Capabilities, and Skills

• Advanced degree in a related field or real estate coursework
• Experience as a loan underwriter in commercial real estate or agency lending (e.g Fannie Mae or Freddie Mac
• Experience with proprietary credit risk management tools

• Experience with large language model tools

   

   

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.