Risk Management - Credit Officer - Associate

Location: Irvine, CA, United States

Job Family: Credit Risk

About the Role

At JPMorgan Chase & Co., one of the world's leading global financial services firms, we are seeking a talented Risk Management - Credit Officer - Associate to join our dynamic Credit Risk team in Irvine, CA. In this role, you will play a pivotal part in evaluating multifamily commercial real estate (CRE) loan requests, supporting informed credit decisions that drive sustainable growth while mitigating risks. As part of our Commercial Real Estate group, you will contribute to a portfolio that finances innovative multifamily housing projects across the United States, aligning with JPMorgan Chase's commitment to community development and financial stability. This position offers the opportunity to work in a collaborative environment with access to cutting-edge tools and mentorship from industry experts, fostering your professional growth in the financial services sector. Your primary focus will be on conducting comprehensive credit analyses for multifamily loan applications, including reviewing borrower financials, property cash flows, and market dynamics. You will develop risk ratings, prepare detailed credit memos, and recommend approval structures that balance opportunity with prudent risk management. Collaboration is key; you will partner with origination, portfolio management, and compliance teams to ensure seamless execution of deals while adhering to internal policies and regulatory frameworks such as those from the Office of the Comptroller of the Currency (OCC). Additionally, you will monitor ongoing portfolio performance, identifying potential issues through scenario analysis and stress testing, ultimately safeguarding JPMorgan Chase's reputation as a trusted leader in CRE lending. This role is ideal for a proactive professional passionate about real estate finance and risk mitigation. At JPMorgan Chase, we value diversity, innovation, and integrity, offering a supportive culture where your contributions directly impact our global operations. Join us to advance your career in a firm renowned for its stability, resources, and commitment to employee development, while helping shape the future of multifamily housing in America.

Key Responsibilities

• Evaluate and underwrite multifamily commercial real estate loan requests, assessing creditworthiness and risk exposure
• Conduct thorough due diligence on borrower financials, property appraisals, and market conditions
• Develop credit recommendations and present findings to senior management and credit committees
• Monitor existing loan portfolios for early warning signs of credit deterioration
• Collaborate with origination teams, legal, and compliance to ensure adherence to JPMorgan Chase policies
• Utilize advanced analytical tools to model loan performance under various economic scenarios
• Support the development of risk rating models specific to multifamily CRE assets
• Contribute to regulatory reporting and stress testing for the commercial real estate portfolio
• Mentor junior analysts and participate in cross-functional risk management initiatives

Required Qualifications

• Bachelor's degree in Finance, Accounting, Economics, or a related field
• 3-5 years of experience in credit risk analysis, commercial real estate lending, or multifamily housing finance
• Strong understanding of commercial real estate markets, particularly multifamily properties
• Proficiency in financial modeling, underwriting, and credit assessment methodologies
• Knowledge of regulatory requirements such as Basel III, Dodd-Frank, and CRE lending standards
• Ability to analyze financial statements, cash flow projections, and collateral valuations

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications (e.g., CFA, CPA)
• Experience with multifamily loan origination and portfolio management at a major financial institution
• Familiarity with JPMorgan Chase's internal credit risk systems and tools
• Prior work in agency lending programs like Fannie Mae or Freddie Mac multifamily initiatives

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Knowledge of commercial real estate valuation
• Proficiency in Excel, SQL, and financial software (e.g., Moody's Analytics)
• Strong analytical and problem-solving abilities
• Excellent written and verbal communication skills
• Attention to detail and accuracy in data handling
• Regulatory compliance and reporting expertise
• Team collaboration and stakeholder management
• Time management in a fast-paced environment
• Understanding of macroeconomic factors affecting CRE
• Quantitative analysis for stress testing
• Ethical judgment in high-stakes decision-making
• Adaptability to evolving risk management practices

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 days, and parental leave
• Professional development programs, including tuition reimbursement and leadership training
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers, wellness programs, and mental health support
• Flexible work arrangements and relocation assistance for eligible roles

JP Morgan Chase is an equal opportunity employer.