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 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 Credit Officer Director in Risk Management and Compliance, you will lead credit risk evaluation in the Chicago and Minneapolis regions for multifamily term loans generally ranging from $1 million to $25 million+, ensuring decisions align with risk appetite and strong risk controls. You will oversee a high-volume credit environment, provide clear guidance on complex approvals, and mentor and develop talent while partnering broadly across the business, risk and key stakeholders.

Job Responsibilities

• Lead and manage the Chicago risk team's execution of credit analysis in a high-volume environment, maintaining the highest standards of quality and risk controls.
• Evaluate and manage risk in complex transactions, including items requiring elevated approval authority and heightened judgment.
• Enhance market and portfolio discussions by identifying key risk considerations, highlighting relevant portfolio metrics, and surfacing emerging regional trends.
• Cultivate and sustain strong partnerships with internal stakeholders across the business and operations to help ensure timely, well-informed outcomes.
• Establish broad, collaborative relationships across CTL Risk functions and with senior stakeholders to support consistent regional execution.
• Apply relevant policies, standards, procedures, and regulatory requirements across all credit analysis activities, ensuring strong governance and controls.
• Implement change and lead strategic initiatives aligned with functional goals, with an innovation-minded and resilient approach.
• Develop individuals through active coaching, mentoring, and regular training, strengthening the team's capability and bench.
• Monitor industry trends and best practices in credit risk management to enhance decision-making and maintain a competitive edge.

Required qualifications, capabilities, and skills

• Bachelor's degree in a business or finance concentration (or equivalent experience).
• 10+ years of experience in commercial real estate lending, credit analysis, and/or loan workouts.
• Proven management background, with a track record of leading teams and effectively coaching, supporting, and motivating employees at different stages of development.
• Strong knowledge of the Chicago commercial real estate market, with the ability to provide insights on key market themes and emerging trends.
• Thorough understanding of multifamily property valuations and cash flow analysis, including evaluating property cash flows, valuation, and personal financial statements.
• Superior interpersonal, verbal and written communication and presentation skills.
• Strong stakeholder management skills, with the ability to build collaborative relationships across risk and business partners.
• Demonstrated experience applying policies, standards, procedures, and regulatory requirements in credit decisioning and analysis activities.
• Proficiency in Microsoft Word, Excel, and PowerPoint, with the ability to quickly adapt to proprietary systems.

Preferred qualifications, capabilities, and skills

• Advanced degree in a related field and/or real estate coursework.
• Experience managing loan underwriters in commercial real estate or agency lending (for example, Fannie Mae or Freddie Mac).
• Experience with proprietary credit risk management tools and related system enablement
• Experience with large language model tools.

ABOUT US

JPMorgan Chase, 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.