Credit Risk, Senior Associate - Real Estate Banking

Testing Site - JPMC; Irvine (CA); On-site; USD 120,000 - 160,000; Full time

Job summary

JPMorgan Chase in Irvine, CA is seeking a Portfolio Manager in Real Estate Banking to oversee a diversified CRE loan portfolio, partnering with coverage teams and clients to ensure quality and resilience of the loan book.

The role sits at the intersection of credit discipline and client engagement, requiring deep underwritten analytics, robust communication with sponsors and guarantors, and adherence to risk and regulatory standards.

Qualifications

• Bachelor's degree in accounting, finance, economics, real estate, or a related field.
• 4+ years of experience in commercial real estate finance, asset management, or debt financing.
• In-depth knowledge of underwriting methodology and risk evaluation across office, retail, industrial, and multifamily.
• Strong analytical skills to interpret financial statements and detect issues impacting risk ratings.
• Effective communication with clients and senior leadership.

Responsibilities

• Provide enhanced portfolio monitoring with cross-functional teams.
• Prepare annual review packages with sponsor and guarantor analysis.
• Defend sponsor and facility risk ratings to senior management for consistency.
• Monitor risk ratings and execute off-cycle changes as needed.
• Engage with external clients to collect financial statements and reporting requirements.
• Maintain data ownership for internal reporting and portfolio reviews.
• Monitor covenants, reporting, and regulatory compliance.
• Oversee external reporting and adherence to policies and regulations.
• Support ad hoc projects and strategic initiatives.

Skills

Portfolio management

Financial analysis

Credit risk assessment

Stakeholder communication

Real estate finance

Education

Bachelor's degree in accounting, finance, economics, real estate, or related field

Tools

Excel

Credit risk tools

Job description

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 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 Portfolio Manager in Real Estate Banking, you will manage a portfolio of commercial real estate credits and relationships, partnering with coverage teams and clients to ensure the quality and resilience of our loan book. You'll sit at the intersection of credit discipline and client engagement, performing in-depth analysis while interacting directly with sponsors, guarantors, and internal stakeholders.
Job Responsibilities:

• Provide enhanced, in-depth portfolio monitoring by coordinating with the market surveillance team and partnering with Credit Risk, Coverage, and internal stakeholders
• Prepare and submit annual review packages by established deadlines, including thorough analysis of guarantors, sponsors, and associated commercial real estate loans or credit products
• Formulate and defend sponsor and facility risk ratings to senior management, driving consistency, quality, and timeliness across the portfolio
• Monitor the portfolio continuously for risk rating appropriateness and execute off-cycle risk rating changes as needed
• Engage directly with external clients to collect financial statements and reporting requirements, and collaborate with Credit Risk and Coverage teams on loan modifications and extensions
• Maintain system data ownership, ensuring quality and timely updates for internal reporting, portfolio reviews, and criticized loan management
• Monitor loans for covenant, reporting, and regulatory compliance
• Manage external reporting processes and ensure adherence to all applicable policies, procedures, and regulations
• Support special ad hoc projects and strategic initiatives as necessary

Required Qualifications, Capabilities, and Skills:

• Bachelor's degree in accounting, finance, economics, real estate, or a related field
• 4+ years of experience in commercial real estate finance, asset management, commercial loan management, or debt financing
• In-depth knowledge of underwriting methodology and experience evaluating risk across office, retail, industrial, and multifamily product types
• Strong analytical skills with the ability to interpret financial statements and detect issues impacting risk ratings
• Effective communication skills with the ability to present information clearly and propose solutions to clients and senior leadership
• Ability to manage multiple deadlines under time constraints while working both independently and collaboratively

Preferred Qualifications, Capabilities, and Skills:

• Completion of a formal credit training program
• Experience with ground-up construction, value-add, and stabilized asset types
• Proficiency in data management tools and advanced Excel
• Passion for commercial real estate

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.