Environmental Credit Risk Senior Officer

Location: Plano, TX, United States

Job Family: Credit Risk

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a commitment to sustainable and responsible banking. As an Environmental Credit Risk Senior Officer in our Credit Risk team based in Plano, TX, you will play a pivotal role in evaluating environmental factors for real estate lending portfolios. This position involves analyzing environmental reports to identify potential risks and liabilities, ensuring that our lending decisions align with both regulatory requirements and the firm's sustainability goals. You will work closely with credit underwriters, legal experts, and external consultants to safeguard the bank's interests while supporting clients in environmentally conscious real estate projects. Your key responsibilities will include conducting in-depth reviews of Phase I and Phase II Environmental Site Assessments, assessing compliance with federal and state regulations such as the EPA's guidelines and NEPA, and integrating environmental risk into broader credit risk frameworks. You will develop mitigation strategies for high-risk properties, monitor ongoing compliance for existing loans, and contribute to the evolution of JPMorgan Chase's environmental risk policies. This role demands a proactive approach to staying updated on emerging environmental trends and regulations, enabling you to provide actionable insights that enhance the resilience of our real estate lending operations. We seek a seasoned professional with a strong background in environmental science and financial risk management, who thrives in a collaborative, dynamic environment. At JPMorgan Chase, you will have access to cutting-edge resources, professional growth opportunities, and a culture that values innovation and integrity. Join us to make a meaningful impact on sustainable finance and help shape the future of responsible lending in the real estate sector.

Key Responsibilities

• Conduct thorough analysis and review of environmental reports, including Phase I and Phase II ESAs, for real estate lending transactions
• Assess potential environmental risks and liabilities associated with collateral properties to inform credit decisions
• Collaborate with credit officers, legal teams, and external environmental consultants to ensure compliance with regulatory standards
• Develop and recommend mitigation strategies for identified environmental risks in loan portfolios
• Monitor ongoing environmental compliance for existing real estate loans and provide updates to senior management
• Contribute to the enhancement of JPMorgan Chase's environmental risk policies and procedures
• Prepare detailed reports and presentations on environmental risk findings for internal stakeholders and regulatory bodies
• Stay abreast of evolving environmental regulations and industry best practices to support sustainable lending practices
• Support due diligence processes for high-value real estate deals, integrating environmental factors into overall risk assessment
• Mentor junior team members on environmental credit risk methodologies and tools

Required Qualifications

• Bachelor's degree in Environmental Science, Finance, Risk Management, or a related field
• Minimum of 7 years of experience in environmental risk assessment, credit risk analysis, or real estate lending
• Strong understanding of environmental regulations such as EPA guidelines, NEPA, and state-specific environmental laws
• Proven experience reviewing Phase I and Phase II Environmental Site Assessments (ESAs) for lending decisions
• Knowledge of financial modeling and credit underwriting principles in the context of real estate portfolios
• Ability to work independently and collaborate with cross-functional teams in a fast-paced financial environment
• Professional certification such as Certified Environmental Risk Professional (CERP) or equivalent

Preferred Qualifications

• Advanced degree (Master's or MBA) in Environmental Finance or Risk Management
• Experience in commercial real estate lending at a major financial institution
• Familiarity with JPMorgan Chase's internal risk management frameworks and tools
• Prior involvement in sustainable finance initiatives or ESG (Environmental, Social, and Governance) reporting
• Proficiency in data analytics tools for environmental risk modeling

Required Skills

• Environmental risk assessment and regulatory compliance
• Credit analysis and financial modeling
• Report writing and data interpretation
• Analytical thinking and problem-solving
• Knowledge of real estate valuation and lending practices
• Proficiency in Microsoft Excel and risk management software
• Strong communication and presentation skills
• Attention to detail and organizational abilities
• Team collaboration and stakeholder management
• Understanding of ESG principles in finance
• Research skills for environmental due diligence
• Time management in high-pressure environments
• Adaptability to changing regulations
• Quantitative analysis for risk quantification
• Ethical decision-making in risk evaluation

Benefits

• Competitive base salary and performance-based annual bonuses
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick leave, and parental leave
• Professional development opportunities through JPMorgan Chase's learning programs and tuition reimbursement
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at select locations
• Flexible work arrangements, including hybrid options in Plano, TX

JP Morgan Chase is an equal opportunity employer.