Risk Management - Credit Officer - Executive Director

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 Risk Director in the Community Development Banking team, you will join a growing team of professionals who play an integral role in fulfilling the bank's Community Reinvestment Act (CRA) mission by financing the construction of affordable housing. You will be responsible for managing a team of Credit Officers (fka Underwriters); and will take a leadership role in evaluating transactions and credit packages, closing transactions, and monitoring the team's portfolio of projects through repayment and conversion to permanent financing.
Job Responsibilities

• Develop and lead a team of credit risk professionals in the preparation and review credit packages, including development budgets and project economics
• Take ownership of the approval process for new loans, modifications and reviews; provide thoughtful recommendations to senior management on more complex transactions.
• Develop a comprehensive understanding of the firm's risk management and control policies and guidelines to ensure compliance and support effective decision-making processes.
• Assist in the ongoing development of policies, procedures and guidance specific to Low Income Housing Tax Credit (LIHTC) lending and more broadly at the firm.
• Oversee and ensure the accuracy and consistency of analyses conducted by your direct reports.
• Emphasize to direct reports the importance of attention to detail, the need to maintain a high-quality work product, and that credit decisions are thoroughly thought out and well supported.
• Manage the delegation and distribution of projects, closing timelines and portfolio maintenance across Credit Officers
• Have strong understanding of third-party reports, construction loan documents, structuring and loan negotiation
• Collaborate and communicate with external and internal stakeholders
• Attend site visits and industry events

Required qualifications, capabilities, and skills

• 10+ years of experience in community development real estate
• Experience in affordable housing finance, including Low Income Housing Tax Credits and subsidy financing
• Excellent teamwork and customer service, consistently delivering on commitments to colleagues and clients
• Leadership and analytical skills, with experience synthesizing information, developing recommendations, making decisions, and problem solving
• Project management skills, demonstrating organization, timeliness, execution, and collaboration
• Attention to detail
• Proficiency in Microsoft Office

Preferred qualifications, capabilities, and skills

• Master's or bachelor's degree with an emphasis on real estate finance or public policy are encouraged

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.