Risk Management - Lead Credit Officer -Vice President

Location: Pasadena, 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 service. Our Commercial Real Estate team within the Credit Risk organization is seeking a Lead Credit Officer - Vice President to join our dynamic Pasadena, CA office. In this pivotal role, you will play a key part in evaluating multifamily commercial real estate loan requests, providing expert analysis to support informed credit decisions that drive sustainable growth. As a Vice President, you will lead complex underwriting processes, leveraging your deep industry knowledge to assess risks and opportunities in the multifamily sector, ensuring alignment with our rigorous risk management standards and regulatory requirements. Your responsibilities will include conducting thorough financial due diligence on borrowers and properties, developing credit recommendations, and collaborating with origination teams to structure deals that balance risk and reward. You will monitor portfolios for emerging risks, contribute to policy development, and mentor associates, all while operating in a collaborative environment that values diverse perspectives. This position offers the chance to influence high-impact decisions in one of the most vibrant real estate markets, contributing to JP Morgan Chase's commitment to responsible lending and community development in California. We foster a culture of excellence, integrity, and continuous learning at JP Morgan Chase, providing resources for professional growth and work-life balance. If you are a seasoned credit professional passionate about multifamily real estate and ready to advance your career in a world-class institution, we invite you to bring your expertise to our team and help shape the future of commercial banking.

Key Responsibilities

• Lead the evaluation and underwriting of multifamily commercial real estate loan requests, assessing creditworthiness and risk exposure
• Conduct detailed financial analysis of borrower financials, property valuations, and market conditions to support credit decisions
• Collaborate with cross-functional teams, including origination, portfolio management, and legal, to ensure comprehensive risk assessment
• Develop and recommend credit structures, pricing, and covenants to mitigate risks while supporting business growth
• Monitor ongoing loan portfolios for early warning signs of credit deterioration and recommend remedial actions
• Prepare credit memos, presentations, and reports for senior management and credit committees
• Stay abreast of industry trends, regulatory changes, and economic factors impacting multifamily real estate
• Mentor junior team members and contribute to the development of credit risk policies and procedures
• Ensure adherence to JP Morgan Chase's risk management frameworks and internal controls

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Economics, or a related field
• Minimum of 7-10 years of experience in credit risk management, with a focus on commercial real estate lending
• Proven track record in underwriting and analyzing multifamily loan requests
• Strong knowledge of commercial real estate markets, particularly in the multifamily sector
• Experience with regulatory compliance in banking, including Basel III and Dodd-Frank requirements
• Ability to work independently and lead credit decision-making processes

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications (e.g., CFA, CPA)
• Prior experience at a major financial institution like JP Morgan Chase
• Familiarity with multifamily housing trends in California markets
• Proficiency in credit modeling software and data analytics tools

Required Skills

• Expertise in credit analysis and underwriting for commercial real estate
• Proficiency in financial modeling and valuation techniques
• Strong analytical and quantitative skills
• Knowledge of multifamily real estate financing and market dynamics
• Excellent communication and presentation abilities
• Risk assessment and mitigation strategies
• Regulatory compliance and banking standards
• Data analysis using tools like Excel, SQL, or Tableau
• Leadership and team collaboration skills
• Attention to detail and problem-solving aptitude
• Adaptability to fast-paced financial environments
• Understanding of economic indicators and interest rate impacts
• Project management for credit review processes
• Ethical judgment in high-stakes decision-making
• Technical proficiency in loan origination systems

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
• Employee stock purchase plan and financial wellness programs
• On-site fitness centers and wellness initiatives at select locations
• Flexible work arrangements and hybrid work options where applicable

JP Morgan Chase is an equal opportunity employer.