Risk Management - Credit Officer - Associate

Posted 3 Days Ago
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San Francisco, CA
Hybrid
Junior
Financial Services
We’re one of the world’s biggest technology-driven companies
The Role
As a Credit Officer, you'll conduct credit analysis for commercial real estate transactions, ensuring careful evaluation of loans and compliance with regulations while collaborating with various stakeholders.
Summary Generated by Built In
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 responsibly by anticipating new and emerging risks, and using your expert judgment to solve real-world challenges that impact our company, customers, and communities.
As a Credit Officer in the Credit Risk team, you will be conducting the essential credit analysis, performing due diligence, and reviewing documentation for new commercial real estate transactions with an emphasis on multifamily lending. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.
Job Responsibilities
  • Implement all facets of credit analysis on commercial real estate/multifamily loans.

  • Identify issues/concerns, evaluate results, and formulate effective recommendations in a timely manner.

  • Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.

  • Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.

  • Apply data analysis techniques to interpret results and provide insights and recommendations to management.

  • Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required qualifications, capabilities and skills
  • Minimum 2+ years of experience in commercial real estate lending or 3+ years in other banking/finance experience.

  • Good 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.

  • Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.

  • Excellent verbal/written communication and problem-solving skills.

  • Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.

  • Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.


Preferred qualifications, capabilities, and skills
  • Bachelor's degree in accounting, finance, economics, or real estate is preferred.
  • Familiarity with regional markets and municipal regulations.
  • Experience with proprietary credit risk management 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.
About Us
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
About the Team
J.P. Morgan's Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.

Top Skills

Excel
Microsoft Word
PowerPoint

What the Team is Saying

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The Company
HQ: New York, NY
289,097 Employees
Year Founded: 1799

What We Do

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $3.7 trillion and operations worldwide. The firm is a leader in investment banking, financial services for consumers and small businesses, commercial banking, financial transaction processing, and asset management. A component of the Dow Jones Industrial Average, JPMorgan Chase & Co. serves millions of consumers in the United States and many of the world’s most prominent corporate, institutional and government clients under its J.P. Morgan and Chase brands.

Technology fuels every aspect of our company and is at the heart of everything we do. With over 50,000 technologists globally and an annual tech spend of $12 billion, we are dedicated to improving the design, analytics, development, coding, testing and application programming that goes into creating high quality software and new products.

Learn more about technology at our firm, explore resources from our Distinguished Engineers, AI & ML researchers, and other experts; access the latest episode of our TechTrends podcast, and more at www.jpmorgan.com/technology. Information about JPMorgan Chase & Co. is available at www.jpmorganchase.com.

©2023 JPMorgan Chase & Co. All rights reserved. JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans.

Why Work With Us

Our technologists work on a diverse range of solutions that include strategic technology initiatives, big data, mobile, electronic payments, machine learning, cybersecurity, enterprise cloud development, and other state-of-the-art technologies.

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