Risk Management - Credit Officer - Associate

Location: San Francisco, CA, United States

Job Family: Credit Risk

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. As a Risk Management - Credit Officer - Associate in our dynamic Credit Risk team based in San Francisco, CA, you will play a pivotal role in evaluating multifamily commercial real estate loan requests. This position involves supporting informed credit decisions that drive sustainable growth in our Commercial Banking division. You will work closely with cross-functional teams to analyze complex loan proposals, ensuring alignment with our rigorous risk standards and regulatory obligations. Our San Francisco office, located in the heart of a vibrant real estate market, offers an exciting environment to contribute to high-impact projects in multifamily housing finance. In this role, you will conduct in-depth credit analysis, including financial statement reviews, property appraisals, and market feasibility studies for multifamily properties. Leveraging JP Morgan Chase's advanced risk management tools, you will build financial models to forecast cash flows, assess collateral values, and identify potential risks under various economic scenarios. Your recommendations will influence lending decisions for deals ranging from affordable housing initiatives to large-scale urban developments, all while adhering to federal regulations like those from the OCC and FHFA. Collaboration is key; you will partner with originators, portfolio managers, and senior executives to mitigate credit risks and optimize portfolio performance. We value professionals who thrive in a fast-paced, data-driven culture and are passionate about the intersection of finance and real estate. This associate-level opportunity provides exposure to JP Morgan Chase's global network, mentorship from experienced leaders, and pathways for career advancement within our esteemed institution. Join us to make a meaningful impact on the communities we serve through responsible lending practices that support economic vitality in the Bay Area and beyond.

Key Responsibilities

• Evaluate and underwrite multifamily commercial real estate loan requests, assessing creditworthiness and risk exposure
• Conduct thorough due diligence on borrower financials, property valuations, and market conditions
• Develop and present credit recommendations 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 lending policies
• Utilize advanced analytical tools to model cash flows, stress test scenarios, and calculate risk metrics
• Support the integration of ESG factors into credit risk assessments for sustainable lending
• Contribute to the development of credit risk policies and procedures within the team
• Prepare detailed reports and documentation for regulatory audits and internal reviews

Required Qualifications

• Bachelor's degree in Finance, Economics, Business Administration, 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 guidelines
• Excellent analytical skills with the ability to interpret complex financial statements

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications (e.g., CFA, CPA)
• Experience working in a large financial institution with a focus on commercial banking
• Familiarity with multifamily loan origination and portfolio management in urban markets like San Francisco
• Prior exposure to JP Morgan Chase's risk management frameworks or similar enterprise systems

Required Skills

• Financial analysis and modeling
• Credit underwriting and risk assessment
• Knowledge of commercial real estate finance
• Proficiency in Excel and financial software (e.g., Moody's Analytics, ARGUS)
• Regulatory compliance and reporting
• Data analysis and interpretation
• Strong written and verbal communication
• Attention to detail and accuracy
• Problem-solving and critical thinking
• Team collaboration and stakeholder management
• Time management in a fast-paced environment
• Understanding of macroeconomic trends
• ESG integration in risk evaluation
• Presentation and report writing skills

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 and wellness programs at JP Morgan Chase facilities
• Flexible work arrangements and hybrid options for work-life balance

JP Morgan Chase is an equal opportunity employer.