Risk Management - Credit Officer - Senior Associate

Testing Site - JPMC; Irvine (CA); On-site; USD 110,000 - 165,000; Full time

Job summary

JPMorgan Chase is seeking a Senior Associate Credit Officer in Irvine to lead credit analysis for multifamily and CRE loans, ranging from $1M to $25M+. You will assess risks, analyze cash flows, and collaborate with sales, processing, closing, and legal teams to ensure compliant, informed decisions.

The role emphasizes data-driven insights, regulatory adherence, and market awareness, with a focus on mentorship and professional growth in Risk Management and Compliance.

Qualifications

• Bachelor's degree in business or finance or related field.
• 3 years of CRE lending experience or 5 years in banking/finance.
• Strong understanding of multifamily real estate valuations and cash flow.
• Solid financial analysis of cash flows, valuations and personal statements.
• Ability to manage competing priorities in a high-volume setting.
• Excellent verbal and written communication and problem-solving skills.
• Familiarity with regional CRE markets and municipal regulations.
• Proficient with Word, Excel, PowerPoint and adapting to proprietary systems.

Responsibilities

• Oversee all credit analysis on loans secured by multifamily and CRE.
• Evaluate and manage risk in each transaction.
• Build relationships with internal stakeholders including sales, processing, closing and legal.
• Apply policies, standards, procedures, and regulatory requirements to credit analysis.
• Apply data analysis to interpret results and provide management insights.
• Serve as a technical expert addressing inquiries and system issues in credit risk tools.
• Monitor industry trends to enhance decision-making and competitiveness.

Skills

Credit analysis

Financial analysis

Risk assessment

Communication

Time management

Education

Bachelor's degree in business or finance

Tools

Microsoft Word

Excel

PowerPoint

Proprietary 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 judgment 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 Senior Associate Credit Officer within the Credit Risk team, you will evaluate and identify risks and interpret 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 loans ranging from $1 million to $25 million+. 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 loans secured by multifamily and other types of commercial real estate
• Evaluate and manage risks in each transaction
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal
• Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
• 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
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge
  

Required qualifications, capabilities, and skills:

• Bachelor's degree in a business or finance concentration
• 3 years of experience in commercial real estate lending or 5 years of other banking or 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
• Ability to manage competing priorities effectively in a collaborative, high volume environment while maintaining attention to detail
• Excellent verbal and 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 commercial real estate 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 or real estate coursework
• Experience as a loan underwriter in commercial real estate and agency lending (e.g. Fannie Mae or Freddie Mac)
• Experience with proprietary credit risk management tools.
• Experience with large language model tools

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.