Risk Management - Key Relationship Group – Lead Credit Officer

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 realworld 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-inclass.

 

As a Lead Credit Officer - Vice President in the Key Relationship Group, you will be part of a team that performs independent technical and specialized analysis of Commercial Real Estate relationships, involving complex and larger size portfolios of $25MM+ of debt collateralized primarily by stabilized apartment complexes.

 

Job Responsibilities

• Performing complex real estate based financial analysis, identifying risk, and interpreting data for management's use in rendering sound credit decisions. Analysis is based on property operating statements, rent rolls, client’s financial balance sheet, schedule of real estate owned and verification of deposit statements and understanding of current market conditions and the implication on overall portfolio. 
• Completing credit actions (annual family credit reviews) which summarizes the financial analysis completed on a client’s portfolio, including recommendations for future business. 
• Analyze troubled loans, including quarterly reporting to top management. 
• Actively contribute to special assignments, including the evaluation of income property loan portfolios, training less experienced credit officer/analyst or division employees, and updating credit policies. 
• Formulating new analytical processes and enhancing existing reports to improve the quality of information available to top management. 
• Establish and maintain effective relationships with internal and external clients.

Required qualifications, capabilities and skills 

• Bachelor’s Degree or equivalent experience. 
• Previous 7+ years of relevant experience in credit analysis, risk assessment, credit review and analysis loan review and/or loan workouts. 
• Understanding of Commercial Real Estate valuation concepts and methodologies. 
• Strong organizational and time‐management skills – ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results. 
• Excellent written and verbal communication skills. 
• Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems.

Preferred qualifications, capabilities and skills 

• Working experience with historical property cash flow analysis preferred. 

 

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.

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 detail