Risk Management - Lead Credit Officer, Real Estate Banking - Vice President

About the role

As a Vice President - Lead Credit Officer on the Real Estate Banking team, you will lead transaction-level credit review and ongoing portfolio credit oversight for a portfolio of clients. You will have primary day-to-day responsibility for managing new and existing credit exposure to developers, owners, operators, and sponsors. Real Estate Banking originates and manages a portfolio of credit products including real estate asset-level financings for ground-up construction, bridge facilities and stabilized term loans, entity-level working capital lines of credit, subscription lines for real estate private equity funds, as well as derivatives and treasury products.

Responsibilities

• Lead transaction-level credit due diligence and provide credit expertise in reviewing new facilities for recapitalizations, acquisitions, construction/development, and general corporate purposes.
• Drive the credit approval process by reviewing and challenging key assumptions in financial, collateral, and sponsor/guarantor analyses; identify key risks, mitigants, and recommended structure/terms; and escalate approval recommendations as required.
• Articulate and defend credit approval rationale with senior leadership during internal approval committee meetings and periodic portfolio reviews, addressing key risks and mitigants, structuring considerations, and risk rating rationale.
• Ensure end-to-end credit processes are executed in a timely and efficient manner for new loan closings and amendments; contribute directly to drafting and refining credit memos while leveraging junior support as appropriate.
• Mentor and coach junior team members by providing hands-on guidance, constructive challenge, and timely feedback on credit analyses and approval materials.
• Serve as an escalation point for Portfolio Management on issues related to ongoing monitoring; maintain comprehensive oversight of the credit relationship, including exposure, collateral, threshold management, compliance, emerging risks, potential problems, and opportunities.
• Own risk rating quality and governance across assigned clients by ensuring rating rationale is well-supported, trends and early-warning indicators are identified, and documentation is consistent with internal standards and policy expectations.
• Coordinate with product partners (including treasury and derivatives stakeholders) to ensure appropriate monitoring of related exposures and key terms.
• Review loan and derivative documentation and support negotiation alongside internal partners (e.g., client coverage, legal, product teams), ensuring key negotiated terms are properly reflected in the final credit approval package.
• Ensure compliance with audit and administrative requirements, including adherence to internal policies and procedures and applicable regulatory guidance.

Requirements

• 5+ years of experience in commercial real estate (CRE) underwriting, lending, credit risk, or other applicable financial services experience
• Commercial real estate industry expertise (asset-level and portfolio credit)
• Advanced knowledge of financial statements and accounting
• Strong understanding of financial products, corporate finance, and market dynamics
• Strong written and verbal communication skills, including the ability to clearly articulate credit rationale and key risks
• Ability to effectively present analysis and interact with key stakeholders
• Highly proficient in Excel, PowerPoint, and Word

Preferred Qualifications

• Experience reviewing and negotiating documentation related to credit agreements and trading/derivative documents (in partnership with internal stakeholders)
• Demonstrated capability to perform diligence and engage with clients when required

Benefits

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.

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.

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.