Risk Management - Environmental Credit Risk Senior Officer

Location: Chicago, IL, United States

Job Family: Credit Risk

About the Role

At JPMorgan Chase, we are committed to driving responsible growth while managing risks in an increasingly complex global environment. As a Risk Management - Environmental Credit Risk Senior Officer in our Chicago office, you will play a pivotal role in evaluating environmental risks for real estate lending activities. This position within the Credit Risk category involves assessing potential impacts from climate change, regulatory shifts, and sustainability factors on our lending portfolios. You will help ensure that our financing decisions align with JPMorgan Chase's sustainability goals, supporting the firm's leadership in sustainable finance and contributing to a more resilient financial ecosystem. Your key responsibilities will include conducting in-depth environmental due diligence on real estate projects, integrating ESG considerations into credit risk models, and collaborating with teams across credit, legal, and corporate sustainability to mitigate risks. You will analyze borrower profiles for issues like site contamination, flood vulnerabilities, or non-compliance with environmental standards, using advanced analytics to forecast long-term risks. By providing actionable insights to senior leadership, you will influence lending strategies that balance profitability with environmental stewardship, in line with JPMorgan Chase's commitment to net-zero emissions by 2050. This role offers the opportunity to work in a dynamic, innovative environment at one of the world's leading financial institutions. You will leverage cutting-edge tools for risk modeling and contribute to thought leadership on environmental credit risks. If you have a passion for finance and sustainability, and expertise in real estate lending, join us to help shape the future of responsible banking at JPMorgan Chase.

Key Responsibilities

• Assess and quantify environmental risks associated with real estate lending portfolios, including climate change impacts and regulatory compliance
• Develop and implement credit risk policies that incorporate environmental, social, and governance (ESG) factors to support responsible growth at JPMorgan Chase
• Conduct due diligence on borrower environmental profiles, identifying potential risks such as contamination, natural disasters, or sustainability non-compliance
• Collaborate with underwriting teams to integrate environmental risk assessments into loan origination and portfolio management processes
• Monitor emerging environmental regulations and industry trends, providing insights to senior management for strategic decision-making
• Prepare detailed risk reports and presentations for internal stakeholders and regulatory bodies
• Support the firm's sustainability initiatives by advising on green financing opportunities and risk mitigation strategies
• Lead training sessions for credit analysts on environmental risk evaluation methodologies
• Contribute to the development of advanced analytics tools for environmental credit risk modeling

Required Qualifications

• Bachelor's degree in Environmental Science, Finance, Risk Management, or a related field
• Minimum of 7 years of experience in credit risk assessment, with a focus on environmental or sustainability risks in financial services
• Proven expertise in evaluating environmental impacts on real estate lending portfolios
• Strong understanding of regulatory frameworks such as EPA guidelines, ESG standards, and Basel III requirements
• Experience in financial modeling and risk analytics within the banking sector
• Ability to collaborate with cross-functional teams including credit, legal, and sustainability departments

Preferred Qualifications

• Advanced degree (Master's or MBA) in Environmental Finance or Sustainable Business
• Certification in ESG risk management or environmental credit analysis (e.g., CFA ESG Investing Certificate)
• Prior experience at a major financial institution like JPMorgan Chase or similar
• Knowledge of climate risk modeling tools and scenario analysis

Required Skills

• Environmental risk assessment
• Credit analysis and underwriting
• ESG integration in financial decision-making
• Financial modeling (e.g., Excel, Python)
• Regulatory compliance knowledge (EPA, SEC ESG rules)
• Data analytics and visualization tools (Tableau, Power BI)
• Stakeholder communication and presentation skills
• Project management
• Climate scenario analysis
• Sustainable finance principles
• Risk quantification techniques
• Cross-functional collaboration
• Report writing and documentation
• Problem-solving and critical thinking
• Adaptability to evolving environmental regulations

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company match
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JPMorgan Chase's internal training programs and tuition reimbursement
• Wellness programs including gym memberships and mental health support
• Employee stock purchase plan and financial planning services
• Flexible work arrangements and hybrid office options in Chicago

JP Morgan Chase is an equal opportunity employer.