Risk Management - Credit Officer - Associate

JPMorgan Chase; Plano (TX); On-site; USD 78,000 - 115,000; Full time

Job summary

JPMorgan Chase is seeking an Associate Credit Officer in Plano, TX within Risk Management and Compliance. You will evaluate post-closing multifamily CRE loan requests ranging from $1MM to $25MM+ and perform rigorous credit analysis in a fast-paced, collaborative environment.

Responsibilities include overseeing credit analyses, managing risk, building stakeholder relationships, and applying data-driven insights to support management decisions while adhering to policies and regulatory

Qualifications

• 2+ years of experience in CRE lending or 3+ years in banking/finance.
• Strong understanding of multifamily property valuations and cash flow analysis.
• Excellent financial analysis including evaluating cash flows and valuations.
• Attention to detail in a fast-paced environment.
• Excellent verbal and written communication skills.
• Ability to prioritize and manage credit analysis tasks.
• Proficiency with MS Word, Excel, and PowerPoint; adapt to proprietary systems.

Responsibilities

• Oversee all aspects of credit analysis on post-closing CRE/multifamily loans.
• Evaluate and manage risks in each transaction.
• Build relationships with internal stakeholders including sales, processing, closing, and legal.
• Understand relevant policies, standards, procedures, and regulatory requirements.
• Apply data analysis to interpret results and provide insights to management.
• Keep up with industry trends in credit risk management to improve decision-making.

Skills

Commercial real estate lending

Financial analysis

Credit underwriting

Communication skills

Detail-oriented

Education

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

Tools

Microsoft Word

Microsoft Excel

PowerPoint

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 an Associate Credit Officer 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 post-closing 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 post-closing 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.

• 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 2+ years of experience in commercial real estate lending or 3+ years of other banking/finance experience.

• Good 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.

• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems

Preferred qualifications, capabilities, and skills:

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

• Familiarity with regional markets and municipal regulations.

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.

JPMorganChase, 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.

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. Additional details about total compensation and benefits will be provided during the hiring process.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.

JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans

Base Pay/Salary

Plano,TX $77,900.00 - $115,000.00 / year; Uniondale,NY $85,500.00 - $120,000.00 / year