Risk Management - Lead Credit Officer - Vice President

Location: Seattle, WA, United States

Job Family: Credit Risk

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a proud history of innovation and client-focused solutions. As a Lead Credit Officer - Vice President in our Risk Management team, you will play a pivotal role in our Commercial Real Estate division, specifically evaluating multifamily loan requests. Based in our Seattle, WA office, this position offers the opportunity to contribute to informed credit decisions that support sustainable growth in one of the most dynamic segments of the financial industry. You will join a collaborative team dedicated to upholding the highest standards of risk management while navigating the complexities of multifamily commercial real estate markets. In this leadership role, you will spearhead the underwriting process for multifamily loan portfolios, conducting in-depth analyses of borrower financials, property appraisals, and market conditions to mitigate potential risks. Your expertise will be crucial in recommending credit structures that align with JPMorgan Chase's robust risk framework, ensuring compliance with federal regulations and internal policies. You will also monitor existing loans, proactively identifying and addressing emerging risks through advanced modeling and scenario analysis, all while mentoring junior team members to build a stronger risk culture. We value professionals who thrive in a fast-paced environment and bring deep insights into the evolving real estate landscape. This Vice President-level position not only offers significant impact on high-value transactions but also provides avenues for career advancement within JPMorgan Chase's global network. If you are passionate about credit risk and ready to drive excellence in multifamily lending, join us to shape the future of financial services.

Key Responsibilities

• Lead the evaluation and underwriting of multifamily commercial real estate loan requests, assessing creditworthiness and risk exposure
• Conduct detailed financial analysis, including cash flow modeling, property valuation, and stress testing for loan portfolios
• Collaborate with origination teams, legal, and compliance to ensure loans align with JPMorgan Chase's risk appetite
• Provide expert recommendations to senior management on credit decisions, including approvals, declines, and structuring
• Monitor ongoing credit performance of assigned portfolios, identifying early warning signs of deterioration
• Develop and implement risk mitigation strategies for high-risk multifamily exposures
• Mentor and guide junior credit officers, fostering a culture of excellence in risk management
• Stay abreast of market trends, regulatory changes, and economic factors impacting commercial real estate
• Prepare comprehensive credit reports and presentations for internal committees and external stakeholders

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 multifamily properties
• Experience with regulatory requirements such as Basel III, Dodd-Frank, and OCC guidelines
• Ability to work independently and lead cross-functional teams in a fast-paced environment

Preferred Qualifications

• Advanced degree (MBA or Master's in Finance) or relevant certifications (e.g., CFA, CPA)
• Prior experience at a major financial institution in commercial banking or real estate finance
• Familiarity with JPMorgan Chase's internal credit risk frameworks and tools
• Demonstrated leadership in mentoring junior analysts or managing credit portfolios

Required Skills

• Expertise in financial modeling and Excel proficiency for credit analysis
• Strong analytical skills for evaluating complex real estate financial statements
• Knowledge of commercial real estate valuation techniques (e.g., cap rates, NOI analysis)
• Proficiency in credit risk software and tools like Moody's Analytics or internal JPM systems
• Excellent communication skills for presenting to senior executives and stakeholders
• Attention to detail and ability to manage multiple high-priority tasks
• Leadership and team collaboration abilities in a matrixed organization
• Understanding of macroeconomic factors affecting multifamily markets
• Risk assessment and decision-making under uncertainty
• Regulatory compliance knowledge specific to banking and real estate lending
• Problem-solving skills for structuring creative loan solutions
• Time management to meet tight deadlines in loan review processes
• Interpersonal skills for building relationships with clients and internal partners

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 access to financial wellness programs
• On-site fitness centers and wellness initiatives at JPMorgan Chase locations
• Flexible work arrangements, including hybrid options in Seattle, WA

JP Morgan Chase is an equal opportunity employer.