Risk Management - Real Estate Banking Credit Officer - Vice President

Bring your expertise to JPMorganChase.

As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase strong and resilient.

You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement 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 Credit Risk Vice President on the Real Estate Banking Team, you will be responsible for a portfolio of clients and will have primary day-to-day responsibility for managing and monitoring credit exposure to them.

You will work a client base of leading real estate development and service companies.

The portfolio of credit products we manage and monitor includes real estate asset level financings for ground up construction, bridge facilities and stabilized term loans, entity level working capital lines of credit, derivatives and treasury lines.

Job Responsibilities


* Lead credit due diligence and provide credit expertise in reviewing new debt facilities for recapitalizations, acquisitions, construction/development and general corporate purposes.


* Supervise, review and provide input on analysis prepared by junior team members and their workflow.


* Serve as the escalation point for the Portfolio Management group for any issues related to ongoing monitoring of the portfolio.

Maintain comprehensive oversight of the credit relationship, including exposure, collateral, threshold management, compliance, potential problems and opportunities.


* Utilize assigned lending authority to approve lending and trading exposures within designated limits or obtaining higher level approval when needed.


* Review documentation for loan and derivative transactions and assist in the negotiation process.

Ensure key negotiated terms are property represented in the final credit approval package.


* Provide a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and sub-sectors.


* Lead senior management presentations for quarterly portfolio meetings to assess client, industry, and sector developments, and to evaluate risk ratings.


* Lead the discussion and respond to questions regarding clients during internal and regulatory audits of the portfolio.


* Ensure compliance with all audit and administrative requirements including adherence to internal policies and procedures, as well as regulatory guidance and requirements.

Required Qualifications, Capabilities and Skills


* Minimum 5+ years of experience in commercial/corporate credit, investment banking lending or relevant experience within financial services


* Commercial Real Estate industry expertise


* Exceptional verbal and written communication skills


* Advanced knowledge of financial statements and accounting


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