Risk Management - Credit Officer - Associate

JPMorgan Chase & Co.; Plano (TX); On-site; USD 90,000 - 130,000; Full time

Job summary

JPMorgan Chase & Co. is seeking an Associate Credit Officer in Credit Risk to evaluate post‑closing multifamily CRE loans in a fast‑paced, high‑volume setting in Plano, Texas.

You will analyze cash flows, assess risks, and collaborate with internal stakeholders across sales, processing, closing and legal to support informed credit decisions and maintain strong risk controls. This role emphasizes attention to detail, clear communication and proactive problem solving.

Qualifications

• Minimum 2+ years of CRE lending or 3+ years in banking/finance.
• Strong cash flow, valuation and financial statement analysis.
• Fast-paced, collaborative environment with keen attention to detail.
• Excellent verbal and written communication and problem solving.
• Ability to prioritize and manage credit analysis tasks.

Responsibilities

• Oversee credit analysis on post-closing CRE/multifamily loans.
• Evaluate and manage risks in each transaction.
• Build strong relationships with internal stakeholders (sales, processing, closing, legal).
• Understand policies, standards and regulatory requirements.
• Apply data analysis to provide insights and recommendations.

Skills

Credit analysis

Financial analysis

Cash flow analysis

Risk assessment

Communication skills

Attention to detail

MS Office / Excel

Education

Bachelor's degree in accounting/finance

Tools

Microsoft Word

Excel

PowerPoint

Proprietary systems

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.
  

Requiredqualifications,capabilities,andskills:

• 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.