Risk Management Credit Risk, Credit Officer – Agency & Institutional Capital Associate

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 responsibly by anticipating new and emerging risks and using your expert judgment 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 an Associate in the Risk Management Multifamily Credit Risk team you will leverage your credit training and previous experience with Fannie Mae and Freddie Mac multifamily loans to assess the creditworthiness of clients properties and markets for new loan originations.

Job Responsibilities

• Evaluate credit risk and support underwriting of Freddie Mac and Fannie Mae conventional and small loan requests for various multifamily asset types nationwide with thorough product knowledge of Agency guidelines.
• Work independently on assigned transactions timelines and deal teams during the due diligence process with minimal supervision.
• Effectively communicate and collaborate with analysts transaction managers and other key stakeholders.
• Analyze property historical financial statements budgets rent rolls third-party reports and market data.
• Analyze borrower organizational structure and required parties financial statements schedules of real estate owned contingent liabilities and credit histories.
• Identify and analyze due diligence documents and third-party reports (appraisal engineering environmental and zoning reports) required for loan submission and approval.
• Stay current on firm-wide risk policies procedures and guidelines ensuring all governance reporting and data quality requirements are met and maintained.

Required Qualifications Skills And Capabilities

• 15 years of experience in credit risk.
• Attitude and aptitude to learn and enhance knowledge of credit originations.
• Strong verbal written and interpersonal skills.
• Strong analytical and problem-solving skills.
• Deadline orientation strong attention to detail and high accuracy.

Preferred Qualifications Skills And Capabilities

• Completion of a major corporate or commercial bank credit training program.
• Experience underwriting commercial real estate properties according to GSE (FNMA/FHLMC) guidelines.
• Experience using CLOSER (Commercial Loan Origination Securitization Enterprise Reporting).