Risk Management - Real Estate Credit Risk Associate

Bring your Expertise to JPMorganChase. As part of Risk Management and Compliance, you are at the center of keeping JPMorganChase 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.

As a Real Estate Credit Risk Associate in Commercial and Investment Bank Real Estate Credit Risk team, you will provide independent credit risk assessment and support credit approval for loans and lending-related commitments. You cover a portfolio of leading real estate, lodging, gaming, homebuilding, and real estate services clients across a range of credit products, including corporate facilities, asset-level financings, repos, risk retention, derivatives, and treasury lines. You develop forward-looking credit views, maintain risk ratings and research, and partner with bankers and risk colleagues to support disciplined growth and effective portfolio monitoring.

Job responsibilities:

• Conduct credit analysis and support senior credit officer approval of lending and trading-related transactions, including operating exposures
• Prepare written credit approval documents, including spreading and analysis of historical financial statements and projections of future cash flows
• Develop forward-looking views of business, financial performance, and key risks for covered companies and sectors
• Manage and monitor a portfolio of client credit exposures on an ongoing basis
• Participate in negotiating, finalizing, and executing documentation for loans and derivatives
• Assign risk ratings and maintain updated credit research for portfolio clients
• Support active management of the commercial real estate portfolio, including surveillance and portfolio management projects

Required qualifications, capabilities, and skills:

• Bachelor's degree in finance, Accounting, Business, Economics, or a related discipline
• 3 years plus of professional experience in corporate or commercial credit, investment banking, or relevant financial services or rating agency experience
• Academic training in accounting, corporate finance, capital markets products, and macroeconomics
• Strong financial analysis and modeling skills
• Strong written and verbal communication skills with effective interpersonal abilities
• Proficiency in Microsoft Office, including Excel, PowerPoint, and Word

Preferred qualifications, capabilities, and skills:

• Experience with a corporate bank credit team or at a credit rating agency
• Experience in real estate or corporate credit coverage

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