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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.

As a Credit Risk Senior Associate within the Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting 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 and underwriting loans ranging from $1MM to $25MM+.

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 commercial real estate/multifamily loans.


* Evaluate and manage risks in each transaction.


* Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.


* Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.


* 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.


* Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required qualifications, capabilities, and skills


* Minimum 3+ years of experience in commercial real estate lending or 5+ years of other banking/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.


* Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.


* Excellent verbal/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 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.


* Experience with proprietary credit risk management tools.


* Bachelor's degree in accounting, finance, economics, or real estate is preferred.

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