Risk Management-Portfolio Management Problem Credits-Credit Officer- Associate

JPMorgan Chase & Co.; Irvine (CA); On-site; USD 90,000 - 125,000; Full time

Job summary

JPMorgan Chase & Co. in Irvine, CA is seeking a Credit Officer in Portfolio Management to assess commercial real estate loans and related risks. You will review property performance, analyze operating statements, and derive risk ratings to support credit decisions.

The role requires a Bachelor’s degree or equivalent, 3 years of loan experience, and strong communication and organizational skills. A professional, collaborative environment with senior leadership interaction is offered.

Qualifications

• Bachelor’s degree or equivalent experience is required.
• Minimum 3 years of working experience with commercial and multifamily loans.
• Previous experience in portfolio management, loan risk grading or risk assessment.
• Strong organizational and time management skills with ability to multitask and collaborate.
• Excellent written and verbal communication skills.

Responsibilities

• Complete annual reviews on properties and borrowers to derive appropriate risk ratings.
• Review annual property operating statements, rent rolls, and local market conditions to determine performance and risk of default.
• Document and support concluded risk ratings.
• Interact with borrowers, credit executives, and other parties for data to perform analysis.
• Present credits to senior management on a quarterly basis.

Skills

Time management

Communication skills

Multitasking

Education

Bachelor’s Degree or equivalent experience

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 a Credit Officer in Portfolio Management, you should be proficient with commercial real estate financeconcepts/principlesandtheirapplicationtovariouspropertytypes. You will complete reviews on properties and borrowers to derive appropriate risk ratings and evaluate expected future performance.

JobResponsibilities

• Completeannualreviewsonpropertiesandborrowerstoderiveatappropriateriskratings.
• Reviewannualpropertyoperatingstatements,rentrolls,andlocalmarketconditionsto determine overall property performance and identify potential risk of default.
• Documentandsupportconcludedriskratings.
• InteractwithBorrowers,CreditExecutives,andotherpartiestoobtainapplicabledatato perform a complete analysis.
• Presentcreditstoseniormanagementonaquarterlybasis.

RequiredQualifications,Capabilities,andSkills

• Bachelor’sDegreeorequivalentexperience.
• Minimum3yearsofworkingexperiencewithcommercialandmultifamilyloans.
• Previousexperienceinportfoliomanagement,loanriskgrading/riskassessment.
• Strongorganizationalandtime managementskills‑abilitytomultitask,prioritize,andworkwith others in an integrated way to achieve individual objectives and team results.
• Excellentwrittenandverbalcommunicationskills.
• ProficiencyinMicrosoftdesktoptoolsincludingWord,Excel,PowerPointandabletoquickly acclimate to proprietary systems.

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.