Credit Risk, Senior Associate - Real Estate Banking

As a Portfolio Manager you are a member of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You support the firm’s growth in a responsible way by anticipating new and emerging risks. Further, using expert judgement you work to solve real-world challenges that impact our company, customers, and communities. Our culture in Risk Management and Compliance is all about thinking outside the box, challenging the status quo, and striving to be best-in-class.

• Provide enhanced and in-depth portfolio monitoring, coordinating with the Commercial Real Estate Market Surveillance team and interacting with Real Estate Banking Risk Coverage, Client Executives, and internal partners.
• Prepare and submit annual review packages by established deadlines, ensuring thorough analysis of guarantors/sponsors and related commercial real estate loans or credit products. Drive consistency, quality, and timeliness.
• Continuously monitor portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
• Maintain system data ownership, ensuring quality and timely updates for internal reporting, portfolio reviews, and criticized loan management.
• Monitor loans for covenant, reporting, and regulatory compliance.
• Support special ad hoc projects as necessary.

• Bachelor’s degree in accounting, finance, economics, or real estate.
• 4+ years of experience in commercial real estate, commercial loan management, or debt financing.
• In-depth knowledge of underwriting methodology and experience evaluating risk across office, retail, industrial, and multifamily product types.
• Highly motivated, detail-oriented self-starter with the ability to work independently and as part of a team.
• Strong analytical skills with the ability to interpret and detect issues impacting risk ratings.
• Effective communicator, able to present information clearly and propose solutions.
• Ability to manage multiple deadlines under time constraints.

• Completion of a formal credit training program.
• Experience with ground-up construction, value-add, and stabilized asset types.
• Passion for commercial real estate.
• Advanced Excel skills.