Credit Officer, Vice President - Community Development Real Estate

Job Responsibilities

• Lead end-to-end risk analysis of affordable housing transactions, including development budgets, sources and uses, and project economics.
• Prepare, present, and defend comprehensive credit packages to senior management and credit committees, clearly articulating key risks and mitigants.
• Evaluate and synthesize third-party due diligence (appraisals, environmental, construction, market studies) and incorporate findings into credit decisions.
• Coordinate and manage transaction closings, driving timelines, documentation, and stakeholder alignment to on-time funding.
• Identify, assess, and monitor credit risk throughout construction and lease-up; implement proactive action plans where warranted.
• Manage an active loan portfolio, including construction draws, covenant tracking, annual reviews, and modifications.
• Establish risk analysis standards and best practices; champion accountability and continuous improvement across the team.
• Collaborate with internal partners (Legal, Portfolio Management, Risk, Operations, Tax Credit teams) and external parties (developers, syndicators, agencies).
• Conduct site visits and participate in industry events to maintain market knowledge and strengthen relationships.
• Present clear analyses, recommendations, and status updates to leadership; escalate issues with timely, data-driven guidance.
• Maintain meticulous documentation and data integrity across systems to support controls, audits, and reporting.

Required Qualifications, Capabilities, And Skills

• 6+ years of experience in community development real estate lending or investing with a focus on affordable housing.
• Demonstrated underwriting expertise in Low-Income Housing Tax Credits (LIHTC), subordinate/public subsidy layers, and construction/permanent financing structures.
• Proven leadership with the ability to set direction, drive accountability, and influence outcomes across cross-functional teams.
• Strong analytical and financial modeling skills; capacity to synthesize complex information and make sound credit recommendations.
• Track record of managing multiple transactions and deadlines with disciplined project management and follow-through.
• Excellent stakeholder management and customer service; trusted partner to clients and internal colleagues.
• Exceptional written and verbal communication skills, including preparation and delivery of executive-level presentations.
• Acute attention to detail with strong documentation and control discipline.
• Proficiency in Microsoft Office (Excel, PowerPoint, Word) for modeling, presentation, and documentation.
• Bachelor's degree in finance, real estate, economics, or related field (or equivalent experience).
• Commitment to the CRA mission and familiarity with how lending activities support community impact goals.

About Us

JPMorgan Chase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management. 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, 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 Team

J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.