Private Bank, Commercial Real Estate Lending Specialist, Vice President/Executive Director, New York

Location: New York, NY, United States

Job Family: Capital Advisory

About the Role

J.P. Morgan Private Bank is seeking a seasoned Commercial Real Estate Lending Specialist at the Vice President/Executive Director level to join our dynamic team in New York. As a key member of the Commercial Real Estate Lending group within Capital Advisory, you will play a pivotal role in delivering bespoke financing solutions to our ultra-high-net-worth clients, including family offices and institutional investors. Leveraging J.P. Morgan's unparalleled resources and global expertise, you will focus on originating, underwriting, and managing CRE loans tailored to the vibrant New York market, encompassing property types such as multifamily, office, and mixed-use developments. This position offers the opportunity to contribute to high-impact deals while collaborating with elite teams across investment banking, wealth management, and risk advisory services. In this role, you will conduct thorough due diligence on prospective loans, analyzing property cash flows, market conditions, and borrower creditworthiness to mitigate risks and maximize returns. You will structure creative financing arrangements that align with clients' strategic objectives, drawing on J.P. Morgan's deep liquidity and innovative products. Additionally, you will monitor an active portfolio of loans, ensuring compliance with covenants and providing timely advisory on market shifts or economic challenges. Your efforts will directly support the Private Bank's mission to deliver holistic wealth solutions, often integrating CRE lending with other services like portfolio advisory or capital markets access. The ideal candidate thrives in a fast-paced environment, combining technical prowess in CRE finance with exceptional client relationship skills. At J.P. Morgan, you will benefit from a culture of excellence, continuous learning through our world-class training programs, and the chance to advance within one of the world's leading financial institutions. If you are passionate about commercial real estate and eager to drive value for discerning clients in New York, this role offers a platform to excel and grow your career.

Key Responsibilities

• Originate and underwrite commercial real estate loans for private banking clients, focusing on multifamily, office, and retail properties in the New York market
• Conduct comprehensive due diligence, including property valuations, cash flow analysis, and risk assessments to ensure sound lending decisions
• Collaborate with J.P. Morgan's Capital Advisory team to structure tailored financing solutions that align with client investment goals
• Build and maintain relationships with high-net-worth individuals, family offices, and institutional investors seeking CRE opportunities
• Monitor loan portfolios for performance, covenant compliance, and early warning signs of distress, providing proactive advisory support
• Partner with internal teams, including legal, compliance, and risk management, to navigate complex transactions and regulatory landscapes
• Identify cross-selling opportunities for J.P. Morgan's broader suite of services, such as investment banking or asset management
• Stay abreast of market trends, interest rate environments, and regulatory changes impacting CRE lending
• Prepare detailed credit memos and presentations for senior management and credit committees
• Contribute to business development efforts by participating in client events, industry conferences, and networking initiatives

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Real Estate, or a related field; MBA or advanced degree preferred
• Minimum of 7-10 years of experience in commercial real estate lending, underwriting, or portfolio management within a financial institution
• Deep knowledge of commercial real estate markets, property types, and lending structures in the New York metropolitan area
• Proven track record in originating, structuring, and closing complex CRE loans for high-net-worth clients
• Strong understanding of regulatory requirements, including Basel III, Dodd-Frank, and CRE-specific guidelines
• Experience working with private banking clients, including family offices and ultra-high-net-worth individuals
• Active involvement in industry networks, such as CRE Finance Council or ULI

Preferred Qualifications

• CFA, CPA, or CRE certification (e.g., CCIM)
• Prior experience at a bulge-bracket bank or private bank in CRE advisory roles
• Bilingual proficiency in English and Spanish or Mandarin to serve diverse client bases in New York
• Demonstrated success in cross-selling additional J.P. Morgan products like wealth management or capital markets services
• Familiarity with sustainable finance and ESG considerations in CRE lending

Required Skills

• Expertise in financial modeling and valuation techniques for commercial real estate assets
• Proficiency in underwriting standards and credit risk analysis
• Strong analytical skills for assessing market data and economic indicators
• Excellent communication and presentation skills for client interactions and internal reporting
• Relationship-building abilities to foster long-term client partnerships
• Knowledge of loan documentation, syndication, and securitization processes
• Familiarity with software tools like Argus, Excel, and Bloomberg for CRE analysis
• Regulatory compliance and risk management acumen
• Strategic thinking for deal structuring and portfolio optimization
• Adaptability to fast-paced, high-stakes environments
• Team collaboration skills across multidisciplinary groups
• Attention to detail in due diligence and reporting
• Negotiation prowess in loan terms and client agreements
• Understanding of ESG and sustainable lending practices
• Time management to handle multiple deals simultaneously

Benefits

• Competitive base salary and performance-based bonus structure, with total compensation potential exceeding $300,000 for qualified candidates
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6% of eligible compensation
• Paid time off including vacation, sick days, and parental leave, plus firm holidays
• Professional development opportunities through J.P. Morgan's internal training programs and tuition reimbursement for advanced certifications
• Wellness programs including gym memberships, mental health support, and employee assistance services
• Flexible work arrangements, including hybrid options in the New York office
• Access to J.P. Morgan's global network for career mobility and mentorship programs

JP Morgan Chase is an equal opportunity employer.