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 Officer - Executive Director within Wholesale Credit Risk team, you will play a significant role in managing risk and supporting the Real Estate Banking line of business. Your responsibilities will include leading and managing the overall risk management process for the South Region of Real Estate Banking, which includes analyzing credit risk and monitoring portfolio performance on an ongoing basis. The position offers a challenging and rewarding opportunity on a dynamic team where you can leverage your expertise to make significant impact.
Job Responsibilities
- Take ownership of the approval process for new loans, modifications, risk grades and annual reviews.
- Provide thoughtful recommendations to business partners and senior management on transactions during the prescreen, structuring, approval-to-pitch process.
- Have a strong understanding of third-party reports, construction loan documents, complex structuring and loan negotiation in order to provide expert guidance and sound judgement throughout the loan closing and monitoring process.
- Develop a comprehensive understanding of the firm's risk management and control policies and guidelines to ensure compliance and support effective decision-making.
- Utilize assigned credit authority throughout the loan origination and monitoring phases of assigned portfolio.
- Closely monitor the commercial real estate industry and overall economic/business environment in order to identify and elevate potential material issues, risks, and trends in the portfolio to Senior Management.
- Collaborate in periodic portfolio deep dives and reviews with Senior Management.
- Manage and develop junior Credit Officers and Analysts.
- Oversee and drive ad hoc risk-related projects and workflows.
- Drive efficiency with existing technical infrastructure through automation while embracing innovative opportunities offered by new technologies.
- Collaborate and communicate with external and internal stakeholders
Required qualifications, capabilities, and skills
- Master's or Bachelor's degree required.
- 8+ years in a similar banking or credit role, with a track record of exceeding performance expectations.
- Proven superior skills in commercial real estate transaction structuring, complex finance structures, negotiating, credit analysis, and portfolio management with experience synthesizing information, developing recommendations, making decisions, and problem solving
- Advanced knowledge of the commercial real estate industry and the commensurate capital and financial markets.
- Superior understanding of real estate market dynamics and economic drivers.
- Outstanding professional reputation and integrity.
- Strong leadership skills and the ability to manage and train a team.
- Strong presentation, business writing, and communication skills.
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.
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