Credit Risk, Senior Associate - Real Estate Banking

Portfolio Manager

As a Portfolio Manager you are a member of Risk Management and Compliance, you are at the center of keeping JPMorgan Chase strong and resilient. You support the firm's growth in a responsible way by anticipating new and emerging risks. Further, using expert judgement you work 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 Portfolio Manager in Real Estate Banking, you will be responsible for managing a portfolio of commercial real estate credits and relationships. The Portfolio Manager team partners with Real Estate Banking Coverage to ensure robust and accurate portfolio reporting by performing and overseeing a variety of enhanced data management and portfolio management functions.

Job Responsibilities:

• Provide enhanced and in-depth portfolio monitoring, coordinating with the Commercial Real Estate Market Surveillance team and interacting with Real Estate Banking Risk Coverage, Client Executives, and internal partners.
• Prepare and submit annual review packages by established deadlines, ensuring thorough analysis of guarantors/sponsors and related commercial real estate loans or credit products. Drive consistency, quality, and timeliness.
• Continuously monitor portfolio for risk rating appropriateness and perform off-cycle risk rating changes as needed.
• Maintain system data ownership, ensuring quality and timely updates for internal reporting, portfolio reviews, and criticized loan management.
• Monitor loans for covenant, reporting, and regulatory compliance.
• Support special ad hoc projects as necessary.

Required Qualifications, Capabilities, and Skills:

• Bachelor's degree in accounting, finance, economics, or real estate.
• 4+ years of experience in commercial real estate, commercial loan management, or debt financing.
• In-depth knowledge of underwriting methodology and experience evaluating risk across office, retail, industrial, and multifamily product types.
• Highly motivated, detail-oriented self-starter with the ability to work independently and as part of a team.
• Strong analytical skills with the ability to interpret and detect issues impacting risk ratings.
• Effective communicator, able to present information clearly and propose solutions.
• Ability to manage multiple deadlines under time constraints.

Preferred Qualifications, Capabilities, and Skills:

• Completion of a formal credit training program.
• Experience with ground-up construction, value-add, and stabilized asset types.
• Passion for commercial real estate.
• Advanced Excel skills.

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 Commercial & Investment Bank is a global leader across banking, markets, securities services and payments. Corporations, governments and institutions throughout the world entrust us with their business in more than 100 countries. The Commercial & Investment Bank provides strategic advice, raises capital, manages risk and extends liquidity in markets around the world.