Risk Management - Lead Credit Officer - Vice President

Testing Site - JPMC; Irvine (CA); Presencial; USD 150.000 - 230.000; Jornada completa

Descripción de la vacante

JPMorgan Chase is seeking a Lead Credit Officer in the Credit Risk team to evaluate risks and interpret data for multifamily and other commercial real estate loans ranging from $1 million to $25 million+ in a fast-paced environment. You will mentor junior staff and collaborate with sales, processing, closing, and legal teams to ensure strong risk management and regulatory compliance.

The role emphasizes expert credit analysis, stakeholder communication, and staying ahead of industry trends to

Formación

• 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.

Responsabilidades

• 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

Conocimientos

Analytical skills

Credit analysis

Communication skills

Regulatory knowledge

Leadership

Data interpretation

MS Office

Educación

Bachelor's degree in business or finance

Advanced degree (preferred)

Herramientas

Proprietary credit risk tools

MS Excel

PowerPoint

Data analysis tools

Descripción del empleo

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.