Risk Management - Lead Credit Officer - Vice President

JPMorgan Chase & Co.; Irvine (CA); On-site; USD 170,000 - 210,000; Full time

Job summary

JPMorgan Chase & Co. in Irvine, CA seeks a Lead Credit Officer within Credit Risk to oversee credit analysis on multifamily and CRE loans.

The role requires evaluating risks, managing complex transactions, and mentoring junior analysts while building strong relationships with sales, processing, closing, and legal teams. Candidates should have extensive CRE lending experience, solid analytical skills, and familiarity with regional markets and regulations.

Qualifications

• Bachelor's degree in business or finance.
• 7 years of experience in commercial real estate lending, credit analysis, or loan workouts.
• Thorough understanding of multifamily real estate property valuations and cash flow analysis.
• Excellent 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 people and 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.

Responsibilities

• Oversee all aspects of credit analysis on loans secured by multifamily and other types of commercial real estate
• Evaluate and manage risks in complex transactions
• Mentor for more junior Credit Analysts and Credit Officers
• 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

Skills

Credit risk analysis

Financial analysis

Data interpretation

Mentoring juniors

Regulatory knowledge

Communication skills

Prioritization

Education

Bachelor's degree in business or finance

Advanced degree (preferred)

Tools

Microsoft Excel

Microsoft Word

PowerPoint

Proprietary risk tools

CRM/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 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 Lead 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 complex transactions
• Mentor for more junior Credit Analysts and Credit Officers
• 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
• 7 years of experience in commercial real estate lending, credit analysis, or loan workouts
• Thorough understanding of multifamily real estate property valuations and cash flow analysis
• Excellent 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 people and 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 or 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.