Risk Management - Real Estate Credit Risk Associate

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

Job summary

JPMorganChase in Plano, TX is seeking a Real Estate Credit Risk Associate within Commercial and Investment Bank Real Estate Credit Risk to provide independent credit risk assessment and support credit approval for loans and lending-related commitments.

You will cover a portfolio across real estate, lodging, gaming, homebuilding and related clients, developing forward-looking credit views, maintaining risk ratings and research, and partnering with bankers and risk colleagues to support

Qualifications

• Bachelor's degree in finance, accounting, business, economics, or a related discipline.
• 3+ years of professional experience in corporate or commercial credit, investment banking, or relevant financial services or rating agency experience.
• Academic training in accounting, corporate finance, capital markets products, and macroeconomics.
• Strong financial analysis and modeling skills.
• Strong written and verbal communication skills with effective interpersonal abilities.
• Proficiency in Microsoft Office, including Excel, PowerPoint, and Word.

Responsibilities

• Conduct credit analysis and support senior credit officer approval of lending and trading-related transactions, including operating exposures.
• Prepare written credit approval documents, including spreading and analysis of historical financial statements and projections of future cash flows.
• Develop forward-looking views of business, financial performance, and key risks for covered companies and sectors.
• Manage and monitor a portfolio of client credit exposures on an ongoing basis.
• Participate in negotiating, finalizing, and executing documentation for loans and derivatives.
• Assign risk ratings and maintain updated credit research for portfolio clients.
• Support active management of the commercial real estate portfolio, including surveillance and portfolio management projects.

Skills

Financial analysis

Financial modeling

Communication skills

Education

Bachelor's degree

Tools

Microsoft Office

Job description

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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 Real Estate Credit Risk Associate in Commercial and Investment Bank Real Estate Credit Risk team, you will provide independent credit risk assessment and support credit approval for loans and lending-related commitments. You cover a portfolio of leading real estate, lodging, gaming, homebuilding, and real estate services clients across a range of credit products, including corporate facilities, asset-level financings, repos, risk retention, derivatives, and treasury lines. You develop forward-looking credit views, maintain risk ratings and research, and partner with bankers and risk colleagues to support disciplined growth and effective portfolio monitoring.

Job responsibilities:

• Conduct credit analysis and support senior credit officer approval of lending and trading-related transactions, including operating exposures
• Prepare written credit approval documents, including spreading and analysis of historical financial statements and projections of future cash flows
• Develop forward-looking views of business, financial performance, and key risks for covered companies and sectors
• Manage and monitor a portfolio of client credit exposures on an ongoing basis
• Participate in negotiating, finalizing, and executing documentation for loans and derivatives
• Assign risk ratings and maintain updated credit research for portfolio clients
• Support active management of the commercial real estate portfolio, including surveillance and portfolio management projects

Required qualifications, capabilities, and skills:

• Bachelor's degree in finance, Accounting, Business, Economics, or a related discipline
• 3 years plus of professional experience in corporate or commercial credit, investment banking, or relevant financial services or rating agency experience
• Academic training in accounting, corporate finance, capital markets products, and macroeconomics
• Strong financial analysis and modeling skills
• Strong written and verbal communication skills with effective interpersonal abilities
• Proficiency in Microsoft Office, including Excel, PowerPoint, and Word

Preferred qualifications, capabilities, and skills:

• Experience with a corporate bank credit team or at a credit rating agency
• Experience in real estate or corporate credit coverage