What are the responsibilities and job description for the Risk Management - Credit Officer - Associate position at JPMorgan Chase?
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 judgment 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 Associate within the Credit Risk team, you will conduct essential credit analysis, perform due diligence, and review 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 $1 million to $25 million . 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 and multifamily loans
- Identify issues and 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
- Apply relevant policies, standards, procedures, and regulatory requirements to all credit analysis activities
- Apply data analysis techniques to interpret results and provide insights and recommendations to management
- Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge
Required qualifications, capabilities, and skills:
- Bachelor's degree in a business or finance concentration
- 2 years of experience in commercial real estate lending or 3 years of other banking or 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
- Ability to manage competing priorities effectively in a collaborative, high-volume environment while maintaining attention to detail
- Excellent verbal and written communication and problem-solving skills
- Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed
- Familiarity with regional markets and municipal regulations
- Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems
Preferred qualifications, capabilities, and skills:
- Experience as a loan underwriter in commercial real estate lending
- Experience with proprietary credit risk management tools
- Experience with large language model 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.