Credit Risk, Senior Associate - Real Estate Banking

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 Portfolio Manager in Real Estate Banking, you will manage a portfolio of commercial real estate credits and relationships, partnering with coverage teams and clients to ensure the quality and resilience of our loan book. You'll sit at the intersection of credit discipline and client engagement, performing in-depth analysis while interacting directly with sponsors, guarantors, and internal stakeholders. 

Job Responsibilities:

• Provide enhanced, in-depth portfolio monitoring by coordinating with the market surveillance team and partnering with Credit Risk, Coverage, and internal stakeholders
• Prepare and submit annual review packages by established deadlines, including thorough analysis of guarantors, sponsors, and associated commercial real estate loans or credit products
• Formulate and defend sponsor and facility risk ratings to senior management, driving consistency, quality, and timeliness across the portfolio
• Monitor the portfolio continuously for risk rating appropriateness and execute off-cycle risk rating changes as needed
• Engage directly with external clients to collect financial statements and reporting requirements, and collaborate with Credit Risk and Coverage teams on loan modifications and extensions
• Maintain system data ownership, ensuring quality and timely updates for internal reporting, portfolio reviews, and criticized loan management
• Monitor loans for covenant, reporting, and regulatory compliance
• Manage external reporting processes and ensure adherence to all applicable policies, procedures, and regulations
• Support special ad hoc projects and strategic initiatives as necessary

 

Required Qualifications, Capabilities, and Skills:

• Bachelor's degree in accounting, finance, economics, real estate, or a related field
• 4+ years of experience in commercial real estate finance, asset management, commercial loan management, or debt financing
• In-depth knowledge of underwriting methodology and experience evaluating risk across office, retail, industrial, and multifamily product types
• Strong analytical skills with the ability to interpret financial statements and detect issues impacting risk ratings
• Effective communication skills with the ability to present information clearly and propose solutions to clients and senior leadership
• Ability to manage multiple deadlines under time constraints while working both independently and collaboratively

 

Preferred Qualifications, Capabilities, and Skills:

• Completion of a formal credit training program
• Experience with ground-up construction, value-add, and stabilized asset types
• Proficiency in data management tools and advanced Excel
• Passion for commercial real estate

 

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 details about total compensation and benefits will be provided during the hiring process. 

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