Risk Management - Credit Officer - Senior Associate

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 judgment 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 Senior Associate Credit Officer within the Credit Risk team, 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.
Job 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
Required qualifications, capabilities, and skills:
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, capabilities, and skills:
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
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.