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 $3.7 trillion and operations worldwide. We operate in more than 60 countries, creating landmark projects that define cities and enable sustainable progress. The firm's Commercial Real Estate (CRE) group within the Corporate & Investment Bank is seeking a Loan Origination Associate I to join our dynamic team in Tempe, Arizona. In this role, you will play a key part in managing a diverse portfolio of commercial real estate loans, supporting the origination process from initial application to funding. This position offers an excellent opportunity to build your career in lending services, gaining exposure to sophisticated financial products and working alongside industry experts at one of the world's most respected banks. As a Loan Origination Associate I, you will assist in evaluating borrower creditworthiness, performing financial due diligence, and ensuring all loans adhere to JPMorgan Chase's rigorous risk and compliance standards. Your responsibilities will include collaborating with cross-functional teams to prepare comprehensive loan packages, monitoring regulatory updates such as those from the OCC and FDIC, and leveraging advanced tools to streamline the origination workflow. This role demands a keen eye for detail and a proactive approach to identifying potential risks in commercial properties ranging from office spaces to multifamily developments, all while contributing to the firm's commitment to responsible lending practices. At JPMorgan Chase, we value innovation, integrity, and inclusion, providing a supportive environment where associates can thrive. This position in our Tempe office offers the chance to work on high-impact deals that shape the commercial real estate landscape, with opportunities for advancement into senior origination or underwriting roles. If you are passionate about finance and eager to make a meaningful impact in a collaborative setting, join us to advance your expertise in the ever-evolving financial services industry.

Key Responsibilities

• Assist in the origination of commercial real estate loans by reviewing borrower applications and financial documentation
• Conduct initial due diligence on loan proposals, including property appraisals and market analysis
• Collaborate with underwriters and credit analysts to prepare loan packages for approval
• Monitor loan pipelines to ensure timely progression from application to closing
• Ensure compliance with federal regulations such as Dodd-Frank, Basel III, and anti-money laundering (AML) requirements
• Communicate with clients, brokers, and internal stakeholders to gather necessary information and resolve issues
• Prepare reports and summaries on loan status for senior management review
• Support portfolio management by tracking post-origination loan performance metrics
• Participate in training sessions to stay updated on JPMorgan Chase's lending products and risk management practices

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 fast-paced team environment within a large financial institution

Preferred Qualifications

• Experience with CRE loan origination systems or software like nCino or similar platforms
• Knowledge of JPMorgan Chase's internal lending policies and compliance standards
• Prior internship or role in a major bank's commercial banking division
• Certification such as Chartered Financial Analyst (CFA) Level I or equivalent

Required Skills

• Financial modeling and analysis
• Loan documentation and structuring
• Regulatory compliance knowledge
• Customer relationship management
• Attention to detail
• Problem-solving abilities
• Proficiency in Microsoft Excel and financial software
• Strong written and verbal communication
• Time management and prioritization
• Team collaboration
• Risk assessment
• Data entry and database management
• Analytical thinking
• Adaptability to changing market conditions
• Basic understanding of real estate valuation

Benefits

• Competitive base salary with performance-based bonuses and incentives
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching contributions
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JPMorgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements and hybrid options where applicable

JP Morgan Chase is an equal opportunity employer.