Senior Credit Originator - Real Estate Banking

Relationship Manager

Join JPMorganChase Commercial Real Estate and help deliver best-in-class financial solutions across all major real estate asset types: multifamily, retail, industrial and office properties as well as their respective sub asset types. You'll partner with leading developers, investors, REOCs, and funds to finance high-quality real estate investments at both the asset and entity level. Bring your credit expertise to a platform with broad national capabilities, deep market knowledge, and meaningful client impact.

As a Senior Credit Originator in Real Estate Banking (REB), you oversee and drive the new loan origination process for commercial real estate clients. You apply strong knowledge of the commercial real estate industry, banking rules and regulations, and hands-on experience administering construction and term loans secured by real estate. You independently manage dynamic credit situations while leading effectively to optimize team resources and deliver accurate, timely results.

Job Responsibilities

• Evaluate new loan opportunities and drive strategic new business opportunities by identifying strengths and weaknesses of proposed transactions
• Contribute to the development and execution of client strategies in collaboration with Client Executives
• Structure complex loans and coordinate the credit approval process with Underwriters, Client Executives, and Credit Executives
• Present proposed loan transactions to senior management by clearly articulating the reasoning behind recommended credit decisions
• Review underwriting materials, Investment Committee Memorandums, Credit Approval Packages, and Risk Rating recommendations
• Prepare and negotiate term sheets and negotiate loan documentation
• Coordinate the real estate closing process, including reviewing due diligence
• Oversee compliance with underwriting standards and guidelines, credit approval requirements, and related policies and procedures for new originations
• Assist with training and development of junior staff members and, where applicable, manage staff

Required Qualifications, Capabilities and Skills

• 10+ years of commercial banking/lending experience, including extensive credit, structuring, closing, and loan documentation experience
• Experience in Commercial Real Estate Credit
• Communicate clearly and diplomatically, including expressing and supporting opinions, listening thoughtfully to feedback, and articulating positions to senior management
• Build strong relationships with clients, counsel, product partners, and senior management through superior interpersonal skills
• Significant accounting and finance knowledge, along with strong real estate fundamentals and concepts
• Strong analytical and business writing skills and proficiency with Microsoft Word, Microsoft Excel, and Microsoft PowerPoint
• Hold a BA/BBA

Preferred Qualifications, Capabilities and Skills

• Possess knowledge of JPMorganChase or similar bank policies and procedures
• Completion of a major corporate banking credit training program
• Hold a MBA

The final officer title and job grade is at the discretion of the firm and will be discussed at the time of offer. It may be different than what is listed on the requisition based on candidate experience level.

About Us

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. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, 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.

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

About the Team

J.P. Morgan's Global Banking business is one of the largest wholesale banking client franchises in the world. We serve clients, including corporations, governments, states, municipalities, healthcare organizations, education institutions, banks and investors. Global Investment Banking supports a broad range of corporations, institutions and governments by providing strategic advice, capital raising and risk management expertise.