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 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.

Job Responsibilities

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. As a Credit Risk Manager, you will have the task of:

• Performing 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, schedule of real estate owned and client's financial balance sheet.
• Completing credit actions (annual family credit reviews) which summarizes the financial analysis completed on a client's portfolio, including recommendations for future business.
• Serving as a project leader on special assignments, including the evaluation of income property loan portfolios, training less experienced credit manager/analyst or division employees, and updating credit policies.
• Formulating new analytical processes and enhancing existing reports to improve the quality of information available to top management.

Qualifications, Capabilities and Skills

We are looking for someone excited to join our organization. If you meet the minimum requirements below, you are encouraged to apply to be considered for this role.

• Graduation from a college or university with major course work in a discipline related to the work of the position.
• Minimum requirements of 7+ years' experience in real estate lending in construction and permanent financing, underwriting, loan review and/or loan workouts.
• Any combination of education/and or experience consistent with the above that would demonstrate the capability to perform the duties of the position. Additional qualifying education may be substituted for a maximum of two years of the experience requirement. Additional qualifying work experience may be substituted for a maximum of two years of the education requirement
• Computer proficiency skills in Excel (financial modeling), Microsoft Word, and Access.
• Standards, practices, methodologies, and regulatory requirements relative to the finance/accounting disciplines.
• Deep understanding of Commercial Real Estate valuation concepts and methodologies. Extensive working experience with property cash flow analysis - historical and pro-forma.
• Knowledge of risk rating methodologies and credit risk assessment processes for Commercial Real Estate loans.
• Additional Skill, Experience and Qualifications
  
  The following additional items will be considered but are not required for this role
  
• Establish and maintain effective relationships with internal and external clients as required by the duties of the position.
• Understand and interpret financial/performance data for Multifamily and Commercial properties.
• Become conversant with the policies, standards, procedures, and regulations applicable to the assigned work unit in a timely manner.
• Understand and apply financial analysis methodologies to achieve/produce a desired result.
• Express ideas and convey technical information in written, oral, and electronic communication.
• Interpret results of credit analysis and formulate effective recommendations.
• Provide effective guidance and performance feedback to junior employees and others in Commercial Term Lending.
• Independently plan and conduct non-routine financial analysis/reporting projects.
• Ability to serve as functional technical expert in responding to customer inquiries and resolving system related issues.

JPMorgan Chase & Co., 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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

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, discretionary incentive compensation which may be awarded in recognition of 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.

Equal Opportunity Employer/Disability/Veterans

Base Pay/Salary
Irvine,CA $104,500.00 - $200,000.00 / year; San Francisco,CA $114,000.00 - $215,000.00 / year; New York,NY $114,000.00 - $215,000.00 / year; New Hyde Park,NY $114,000.00 - $215,000.00 / year; Seattle,WA $114,000.00 - $215,000.00 / year; Pasadena,CA $104,500.00 - $200,000.00 / year; Uniondale,NY $114,000.00 - $215,000.00 / year