JPMorgan Risk Management - Credit Officer Senior Associate 

United States, California, Irvine 

88890408

As a Credit Risk Senior within the Credit Risk team, you will play an important role in evaluating and identifying risks, as well as interpreting data to support management in making well-informed credit decisions on multifamily commercial real estate loan requests. You will operate in a dynamic, high-volume, and fast-paced environment, analyzing loans ranging from $1MM to $25MM+. You will be part of a highly collaborative team that prioritizes learning, professional development, inclusivity, and mentorship.

Job Responsibilities

• Oversee all aspects of credit analysis on commercial real estate/multifamily loans.
• Evaluate and manage risks in each transaction.
• Build and maintain strong relationships with internal business stakeholders including sales, processing, closing, and legal.
• Gain a thorough understanding of relevant policies, standards, procedures, and regulatory requirements.
• Apply data analysis techniques to interpret results and provide insights and recommendations to management.
• Serve as a technical expert in addressing inquiries and resolving system-related issues specific to credit risk analysis and management tools.
• Keep up with industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.
  

Required qualifications, capabilities, and skills:

• Minimum 3+ years of experience in commercial real estate lending or 5+ years of other banking/finance experience.
• Thorough understanding of multifamily real estate property valuations and cash flow analysis.
• Strong financial analysis skills, including evaluating property cash flows, property valuation, and personal financial statements.
• Demonstrated success in thriving within a fast-paced, collaborative environment while maintaining a high level of attention to detail.
• Excellent verbal/written communication and problem-solving skills.
• Ability to prioritize, plan, and manage processes to complete credit analysis and other assignments as needed.
• Familiarity with regional markets and municipal regulations.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Preferred qualifications, capabilities, and skills:

• Bachelor's degree in accounting, finance, economics, or real estate is preferred.
• Advanced degree in a related field.
• Experience with proprietary credit risk management tools.