Commercial Loan Origination Associate I

Location: Tempe, AZ, United States

Job Family: Lending Services

About the Role

JPMorgan Chase & Co. is a leading global financial services firm with assets of $3.9 trillion and operations worldwide, committed to helping people and businesses prosper. As a Commercial Loan Origination Associate I in our Lending Services team based in Tempe, Arizona, you will play a vital role in supporting the origination of diverse commercial real estate (CRE) loans. This entry-level position offers an exciting opportunity to immerse yourself in the dynamic world of commercial banking, where you will contribute to structuring financing solutions for clients ranging from small businesses to large institutional investors. Under the guidance of experienced loan officers, you will gain hands-on experience in evaluating loan applications, performing financial due diligence, and ensuring seamless execution from origination to funding, all while adhering to JPMorgan Chase's rigorous standards of integrity and excellence. In this role, you will collaborate closely with cross-functional teams, including credit analysts, relationship managers, and legal experts, to manage a high-volume pipeline of CRE loans focused on sectors like office, retail, and industrial properties. Your responsibilities will include reviewing borrower financials, coordinating appraisals and environmental assessments, and preparing documentation for internal approvals. At JPMorgan Chase, we emphasize innovation in lending practices, and you will have the chance to leverage cutting-edge tools and data analytics to mitigate risks and enhance client outcomes. This position is ideal for motivated professionals eager to build a career in financial services, with opportunities for advancement into senior origination or underwriting roles. Joining JPMorgan Chase means becoming part of a supportive culture that values diversity, inclusion, and professional growth. Located in the vibrant city of Tempe, AZ, this role offers a blend of local market exposure and access to the firm's global resources. We are seeking detail-oriented individuals passionate about real estate finance who thrive in a collaborative environment. If you are ready to contribute to powering the progress of our clients and the communities we serve, apply today to start your journey with one of the world's most respected financial institutions.

Key Responsibilities

• Assist in the origination of commercial real estate loans by gathering and verifying borrower documentation
• Conduct initial financial analysis and due diligence on loan applications to assess risk and viability
• Collaborate with underwriters and relationship managers to prepare loan proposals and credit memos
• Monitor loan pipelines, ensuring timely progression from application to closing
• Ensure compliance with federal regulations, including Truth in Lending Act (TILA) and anti-money laundering (AML) requirements
• Liaise with internal teams and external clients to resolve documentation discrepancies and facilitate smooth loan processing
• Support portfolio management by tracking post-origination loan performance and reporting on key metrics
• Contribute to process improvements in loan origination workflows to enhance efficiency at JPMorgan Chase
• Participate in client meetings and site visits for commercial properties in the Tempe area

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• At least 1-2 years of experience in commercial lending, real estate finance, or banking operations
• Strong understanding of commercial real estate loan structures, underwriting principles, and regulatory requirements
• Proficiency in financial analysis, including reviewing balance sheets, income statements, and cash flow projections
• Excellent organizational skills with the ability to manage multiple loan files simultaneously
• Ability to work collaboratively in a team environment within a fast-paced financial services setting

Preferred Qualifications

• Experience with CRE loan origination systems or software such as nCino or Loan IQ
• Knowledge of JPMorgan Chase's internal lending policies and compliance standards
• Prior internship or role in a major financial institution focused on commercial banking
• Familiarity with Arizona real estate market dynamics and local regulations

Required Skills

• Financial modeling and analysis
• Loan documentation and compliance
• Risk assessment and credit evaluation
• Proficiency in Microsoft Excel and financial software
• Strong written and verbal communication
• Attention to detail and accuracy
• Time management and prioritization
• Customer service orientation
• Analytical thinking and problem-solving
• Knowledge of CRE market trends
• Team collaboration and interpersonal skills
• Regulatory awareness in banking
• Data entry and record-keeping
• Adaptability to changing priorities
• Basic project management

Benefits

• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with company matching up to 6% of eligible compensation
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development programs, including tuition reimbursement and access to JPMorgan Chase's internal training academy
• Employee stock purchase plan and performance-based bonuses
• Wellness programs with gym memberships, mental health support, and financial wellness resources
• Hybrid work flexibility and relocation assistance for eligible roles
• Community involvement opportunities through JPMorgan Chase's corporate philanthropy initiatives

JP Morgan Chase is an equal opportunity employer.