Risk Management - Real Estate Banking Credit Officer - Vice President

Bring your expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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 Vice President on the Real Estate Banking Team, you will be responsible for a portfolio of clients and will have primary day-to-day responsibility for managing and monitoring credit exposure to them. You will work a client base of leading real estate development and service companies. The portfolio of credit products we manage and monitor includes real estate asset level financings for ground up construction, bridge facilities and stabilized term loans, entity level working capital lines of credit, derivatives and treasury lines.

Job Responsibilities

• Lead credit due diligence and provide credit expertise in reviewing new debt facilities for recapitalizations, acquisitions, construction/development and general corporate purposes.

• Supervise, review and provide input on analysis prepared by junior team members and their workflow.

• Serve as the escalation point for the Portfolio Management group for any issues related to ongoing monitoring of the portfolio. Maintain comprehensive oversight of the credit relationship, including exposure, collateral, threshold management, compliance, potential problems and opportunities.

• Utilize assigned lending authority to approve lending and trading exposures within designated limits or obtaining higher level approval when needed.

• Review documentation for loan and derivative transactions and assist in the negotiation process. Ensure key negotiated terms are property represented in the final credit approval package.

• Provide a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and sub-sectors.

• Lead senior management presentations for quarterly portfolio meetings to assess client, industry, and sector developments, and to evaluate risk ratings.

• Lead the discussion and respond to questions regarding clients during internal and regulatory audits of the portfolio.

• Ensure compliance with all audit and administrative requirements including adherence to internal policies and procedures, as well as regulatory guidance and requirements.

Required Qualifications, Capabilities and Skills

• Minimum 5+ years of experience in commercial/corporate credit, investment banking lending or relevant experience within financial services

• Commercial Real Estate industry expertise

• Exceptional verbal and written communication skills

• Advanced knowledge of financial statements and accounting

• Strong understanding of financial products, corporate finance and market dynamics

• Strong relationship management skills and success partnering with internal groups and interfacing with external clients

• Ability to effectively present analysis and interact with key stakeholders

• Highly proficient in Excel, PowerPoint and Word

Preferred Qualifications, Capabilities and Skills

• Experience with documentation related to credit agreements; negotiating loan and trading documents

• Capability to perform due diligence and negotiation with clients

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

Base Pay/Salary

Chicago,IL $123,500.00 - $200,000.00 / year