Risk Management - Credit Officer - Associate
About the role
As a Credit Officer Senior Associate within the Credit Risk team at JPMorgan Chase, you will evaluate and identify risks and interpret data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1 million to $25 million+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Responsibilities
- Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate
- Evaluate and manage risks in each transaction
- Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
- Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
- Apply data analysis techniques to interpret results and provide insights and recommendations to management
- Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools
- Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge
Requirements
- Bachelor's degree in a business or finance concentration
- 3 years of experience in commercial real estate lending or 5 years of other banking or finance experience
- Thorough understanding of multifamily real estate property valuations and cash flow analysis
- Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements
- Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail
- Excellent verbal and written communication and problem-solving skills
- Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed
- Familiarity with regional commercial real estate markets and municipal regulations
- Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems
Preferred Qualifications
- Advanced degree in a related field or real estate coursework
- Experience as a loan underwriter in commercial real estate and agency lending (e.g. Fannie Mae or Freddie Mac)
- Experience with proprietary credit risk management tools
- Experience with large language model tools
Benefits
- Competitive total rewards package including base salary determined based on the role, experience, skill set, and location
- Commission-based pay and/or discretionary incentive compensation for eligible roles, paid in the form of cash and/or forfeitable equity
- Comprehensive health care coverage
- On-site health and wellness centers
- Retirement savings plan
- Backup childcare
- Tuition reimbursement
- Mental health support
- Financial coaching
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.
The 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.