Senior Client Associate – Commercial Real Estate, Commercial Term Lending – Vice President

Location: New York, NY, United States

Job Family: Relationship Manager

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of delivering innovative solutions to our clients. As a Senior Client Associate – Commercial Real Estate, Commercial Term Lending – Vice President in our New York office, you will join a dynamic team dedicated to providing best-in-class, cost-effective financing solutions across all major real estate asset classes, including office, retail, industrial, multifamily, and hospitality. In this pivotal role within our Commercial Banking division, you will act as a trusted advisor to high-profile clients, helping them navigate complex financing needs in one of the world's most vibrant real estate markets. Your contributions will directly support JP Morgan Chase's commitment to powering economic growth through strategic lending and relationship-driven banking. Key to success in this position is your ability to originate, structure, and manage term loans tailored to commercial real estate projects. You will collaborate closely with clients such as real estate developers, institutional investors, and REITs to assess their financing requirements, perform rigorous credit analysis, and develop customized solutions that mitigate risks while maximizing value. Working alongside cross-functional teams—including credit officers, syndication specialists, and legal experts—you will ensure seamless execution of deals from initial pitch to closing. This role demands a deep understanding of market dynamics, regulatory landscapes, and economic indicators that influence real estate financing, allowing you to provide proactive insights and drive portfolio growth. JP Morgan Chase values innovation, integrity, and client-centricity, and as a Vice President, you will embody these principles while mentoring junior team members and contributing to broader team objectives. Based in our state-of-the-art New York facility, you will have access to cutting-edge resources and a collaborative culture that fosters professional development. If you are a seasoned professional passionate about commercial real estate and eager to make an impact at a firm that sets the standard in financial services, this opportunity offers unparalleled scope for career advancement and meaningful client impact.

Key Responsibilities

• Serve as a key client-facing advisor, delivering tailored commercial term lending solutions for real estate investments across major asset classes
• Build and maintain strong relationships with commercial real estate clients, including developers, REITs, and institutional investors
• Conduct comprehensive credit assessments and financial modeling to underwrite and structure term loans
• Collaborate with internal teams, including credit risk, legal, and syndication groups, to execute complex financing deals
• Monitor portfolio performance, manage risk exposure, and ensure compliance with JP Morgan Chase's lending policies
• Identify new business opportunities by leveraging market insights and client needs in the New York real estate landscape
• Prepare detailed reports, presentations, and proposals for senior management and client meetings
• Support the origination of new loans by participating in due diligence, site visits, and negotiations
• Contribute to team goals by mentoring junior associates and fostering a culture of excellence in client service
• Stay abreast of industry trends, regulatory changes, and economic factors impacting commercial real estate financing

Required Qualifications

• Bachelor's degree in Finance, Business Administration, Real Estate, or a related field
• Minimum of 7 years of experience in commercial real estate lending or term financing within the financial services industry
• Proven track record in managing client relationships in commercial banking or real estate finance
• Strong understanding of commercial real estate asset classes, including office, retail, industrial, and multifamily properties
• Experience with credit analysis, underwriting, and structuring term loans for real estate projects
• Knowledge of regulatory requirements in commercial lending, such as Dodd-Frank and Basel III
• Ability to thrive in a fast-paced, high-stakes environment at a leading global financial institution

Preferred Qualifications

• MBA or advanced degree in Finance or Real Estate
• Prior experience at a bulge-bracket bank like JP Morgan Chase in commercial real estate financing
• Familiarity with syndicated lending and capital markets for real estate transactions
• Certifications such as CFA or CCIM (Certified Commercial Investment Member)
• Experience working with high-net-worth clients or institutional investors in New York real estate markets

Required Skills

• Expertise in commercial real estate valuation and market analysis
• Proficiency in financial modeling and Excel for loan structuring
• Strong credit underwriting and risk assessment abilities
• Excellent client relationship management and communication skills
• Negotiation and deal-closing expertise in high-value transactions
• Knowledge of real estate finance tools like Argus software
• Analytical thinking for complex financial scenarios
• Regulatory compliance and documentation skills
• Team collaboration in a matrixed banking environment
• Strategic business development and networking capabilities
• Attention to detail in due diligence processes
• Adaptability to dynamic market conditions
• Presentation skills for client and internal stakeholders
• Project management for multi-phase lending deals
• Ethical decision-making in line with JP Morgan Chase standards

Benefits

• Competitive base salary and performance-based annual bonus
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching
• 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 initiatives at JP Morgan Chase offices
• Global mobility opportunities and career advancement within a leading financial institution

JP Morgan Chase is an equal opportunity employer.