Risk Management - Lead Credit Officer - Vice President - JPMorgan Chase
Chicago, IL
About the Job
Bring your expertise to JPMorgan Chase. As part of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You help the firm grow its business in a responsible way by anticipating new and emerging risks, and using your expert judgement to solve realworld 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-inclass.
As a Lead Credit Officer in the Key Relationship Group, you will be part of a team that performs independent technical and specialized analysis of Commercial Real Estate relationships, involving complex and larger size portfolios of $25MM+ of debt collateralized primarily by stabilized apartment complexes.
Job Responsibilities
+ Perform complex real estate based financial analysis, identifying risk, and interpreting data for management's use in rendering sound credit decisions. Analysis is based on property operating statements, rent rolls, client's financial balance sheet, schedule of real estate owned and verification of deposit statements and understanding of current market conditions and the implication on overall portfolio.
+ Complete credit actions (annual family credit reviews) which summarizes the financial analysis completed on a client's portfolio, including recommendations for future business.
+ Analyze of troubled loans, including quarterly reporting to top management.
+ Contribute to special assignments, including the evaluation of income property loan portfolios, training less experienced credit officer/analyst or division employees, and updating credit policies.
+ Formulate new analytical processes and enhancing existing reports to improve the quality of information available to top management.
+ Establish and maintain effective relationships with internal and external clients.
Required qualifications, capabilities and skills
+ Bachelor's Degree or equivalent experience.
+ Previous 7+ experience in credit analysis and review of commercial real estate loans, risk assessment, real estate lending in financing, credit review and analysis loan review and/or loan workouts.
+ Deep understanding of Commercial Real Estate valuation concepts and methodologies. Extensive working experience with historical property cash flow analysis.
+ Strong organizational and time-management skills - ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results.
+ Excellent written and verbal communication skills.
+ Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
As a Lead Credit Officer in the Key Relationship Group, you will be part of a team that performs independent technical and specialized analysis of Commercial Real Estate relationships, involving complex and larger size portfolios of $25MM+ of debt collateralized primarily by stabilized apartment complexes.
Job Responsibilities
+ Perform complex real estate based financial analysis, identifying risk, and interpreting data for management's use in rendering sound credit decisions. Analysis is based on property operating statements, rent rolls, client's financial balance sheet, schedule of real estate owned and verification of deposit statements and understanding of current market conditions and the implication on overall portfolio.
+ Complete credit actions (annual family credit reviews) which summarizes the financial analysis completed on a client's portfolio, including recommendations for future business.
+ Analyze of troubled loans, including quarterly reporting to top management.
+ Contribute to special assignments, including the evaluation of income property loan portfolios, training less experienced credit officer/analyst or division employees, and updating credit policies.
+ Formulate new analytical processes and enhancing existing reports to improve the quality of information available to top management.
+ Establish and maintain effective relationships with internal and external clients.
Required qualifications, capabilities and skills
+ Bachelor's Degree or equivalent experience.
+ Previous 7+ experience in credit analysis and review of commercial real estate loans, risk assessment, real estate lending in financing, credit review and analysis loan review and/or loan workouts.
+ Deep understanding of Commercial Real Estate valuation concepts and methodologies. Extensive working experience with historical property cash flow analysis.
+ Strong organizational and time-management skills - ability to multitask, prioritize, and work with others in an integrated way to achieve individual objectives and team results.
+ Excellent written and verbal communication skills.
+ Proficiency in Microsoft desktop tools including Word, Excel, Power Point and the ability to quickly acclimate to proprietary systems.
JPMorganChase, one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase & Co. is an Equal Opportunity Employer, including Disability/Veterans
Source : JPMorgan Chase