Risk Management -Environmental Credit 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 innovation, integrity, and sustainable practices. As a Risk Management - Environmental Credit Senior Officer in our Credit Risk team based in Plano, TX, you will play a pivotal role in safeguarding our real estate lending portfolio against environmental risks. This position involves analyzing and reviewing environmental reports to ensure sound credit decisions, aligning with our firm's dedication to responsible banking and ESG principles. You will work within a dynamic team environment, leveraging your expertise to identify, assess, and mitigate potential liabilities from contaminated sites, regulatory non-compliance, and climate-related impacts on properties. Your core responsibilities will include conducting in-depth evaluations of Phase I and Phase II Environmental Site Assessments, collaborating with cross-functional partners such as credit underwriters and legal experts, and recommending risk mitigation strategies tailored to JPMorgan Chase's rigorous standards. You will monitor environmental compliance for ongoing loans, contribute to policy enhancements, and provide insightful reporting to senior leadership. This role demands a proactive approach to staying updated on federal and state regulations, including EPA standards and CERCLA, while integrating sustainable finance considerations into credit risk frameworks. Your work will directly support our goal of minimizing environmental exposures in a portfolio exceeding billions in assets. We seek a seasoned professional with a passion for environmental stewardship in finance. In this senior capacity, you will mentor junior analysts, drive process improvements, and foster a culture of risk awareness across the organization. Joining JPMorgan Chase offers not only the opportunity to impact high-profile transactions but also access to world-class resources for professional growth in one of the most influential firms in the industry. If you thrive in a collaborative, high-impact setting and are committed to advancing ethical lending practices, this role at our Plano office provides a platform to excel.

Key Responsibilities

• Conduct thorough reviews and analysis of environmental reports, including Phase I and II ESAs, for real estate lending portfolios
• Assess potential environmental liabilities and risks associated with borrower properties to inform credit decisions
• Collaborate with credit officers, legal teams, and external environmental consultants to mitigate identified risks
• Develop and recommend environmental risk mitigation strategies, including covenants and monitoring requirements
• Monitor ongoing environmental compliance for existing loans and provide updates on regulatory changes
• Contribute to the enhancement of JPMorgan Chase's environmental credit risk policies and procedures
• Prepare detailed risk reports and presentations for senior management and regulatory submissions
• Support portfolio management by evaluating environmental impacts on loan valuations and recovery prospects
• Stay abreast of emerging environmental regulations and industry best practices to ensure robust 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 7-10 years of experience in environmental credit risk assessment, particularly in real estate lending
• In-depth knowledge of environmental regulations such as EPA guidelines, CERCLA, and state-specific environmental laws
• Proven experience analyzing Phase I and Phase II Environmental Site Assessments (ESAs) for lending decisions
• Strong understanding of credit risk principles in the financial services industry
• Ability to work independently and collaborate with cross-functional teams in a fast-paced banking 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 environmental due diligence for large-scale portfolio transactions
• Knowledge of sustainable finance and ESG (Environmental, Social, and Governance) integration in credit processes

Required Skills

• Expertise in environmental risk assessment and due diligence
• Proficiency in credit analysis and financial modeling
• Strong analytical and problem-solving abilities
• Knowledge of real estate valuation and lending practices
• Excellent written and verbal communication skills
• Attention to detail and accuracy in report preparation
• Regulatory compliance and interpretation skills
• Proficiency in Microsoft Office Suite and risk management software (e.g., Moody's Analytics or equivalent)
• Ability to manage multiple priorities in a deadline-driven environment
• Team collaboration and stakeholder management
• Understanding of ESG factors in financial services
• Data analysis and visualization tools (e.g., Excel, Tableau)
• Risk quantification and scenario modeling
• Adaptability to evolving environmental regulations
• Ethical judgment in high-stakes decision-making

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 opportunities, including tuition reimbursement and leadership training programs
• Employee stock purchase plan and financial wellness resources
• On-site fitness centers and wellness programs at JPMorgan Chase facilities
• Flexible work arrangements, including hybrid options in Plano, TX

JP Morgan Chase is an equal opportunity employer.