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About the Role

As a Vice President - Lead Credit Officer on the Real Estate Banking team, you will be responsible for leading transaction-level credit review and ongoing portfolio credit oversight for a portfolio of clients. You will have primary day-to-day responsibility for managing new and existing credit exposure to developers, owners, operators, and sponsors. Real Estate Banking originates and manages a portfolio of credit products including real estate asset-level financings for ground-up construction, bridge facilities and stabilized term loans, entity-level working capital lines of credit, subscription lines for real estate private equity funds, as well as derivatives and treasury products.

Responsibilities

Lead transaction-level credit due diligence and provide credit expertise in reviewing new facilities for recapitalizations, acquisitions, construction/development and general corporate purposes.
Drive the credit approval process by reviewing and challenging key assumptions in financial, collateral, and sponsor/guarantor analyses; identify key risks, mitigants, and recommended structure/terms; and escalate approval recommendations as required.
Articulate and defend credit approval rationale with senior leadership during internal approval committee meetings and periodic portfolio reviews, addressing key risks and mitigants, structuring considerations, and risk rating rationale.
Ensure end-to-end credit processes are executed in a timely and efficient manner for new loan closings and amendments; contribute directly to drafting and refining credit memos while leveraging junior support as appropriate.
Mentor and coach junior team members by providing hands-on guidance, constructive challenge, and timely feedback on credit analyses and approval materials.
Serve as an escalation point for Portfolio Management on issues related to ongoing monitoring; maintain comprehensive oversight of the credit relationship, including exposure, collateral, threshold management, compliance, emerging risks, potential problems, and opportunities.
Own risk rating quality and governance across assigned clients by ensuring rating rationale is well-supported, trends and early-warning indicators are identified, and documentation is consistent with internal standards and policy expectations.
Coordinate with product partners (including treasury and derivatives stakeholders) to ensure appropriate monitoring of related exposures and key terms.
Review loan and derivative documentation and support negotiation alongside internal partners (e.g., client coverage, legal, product teams), ensuring key negotiated terms are properly reflected in the final credit approval package.
Ensure compliance with audit and administrative requirements, including adherence to internal policies and procedures and applicable regulatory guidance.

Requirements

5+ years of experience in commercial real estate (CRE) underwriting, lending, credit risk, or other applicable financial services experience
Commercial real estate industry expertise (asset-level and portfolio credit)
Advanced knowledge of financial statements and accounting
Strong understanding of financial products, corporate finance, and market dynamics
Strong written and verbal communication skills, including the ability to clearly articulate credit rationale and key risks
Ability to effectively present analysis and interact with key stakeholders
Highly proficient in Excel, PowerPoint and Word
Experience reviewing and negotiating documentation related to credit agreements and trading/derivative documents (in partnership with internal stakeholders)
Demonstrated capability to perform diligence and engage with clients when required
This position is subject to Section 19 of the Federal Deposit Insurance Act. An employment offer is contingent on JPMorganChase’s review of criminal conviction history, including pretrial diversions or program entries.

Skills

Commercial real estate (CRE) underwriting
Lending
Credit risk
Financial statement analysis
Accounting
Financial products
Corporate finance
Market dynamics
Written communication
Verbal communication
Presentation skills
Excel
PowerPoint
Word
Credit agreement review
Derivative document review
Client engagement

Experience Level

5+ years of experience

Benefits

Comprehensive health care coverage
On-site health and wellness centers
Retirement savings plan
Backup childcare
Tuition reimbursement
Mental health support
Financial coaching

About the Company

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.
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.

Equal Opportunity

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.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans