Risk Management - Credit Officer - Executive Director

Job Description
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 Portfolio Management Lead, Executive Director in the Real Estate Banking team, you will lead a team responsible for managing commercial real estate credit portfolios. You will collaborate with colleagues across coverage and risk teams to ensure robust portfolio reporting and risk management. Together, we will drive responsible growth, proactively identify emerging risks, and deliver high-quality solutions for our clients. You will have the opportunity to mentor talent, streamline processes, and contribute to the success of our business.
Job Responsibilities

• Lead, manage, and develop a team of Vice President and Associate Portfolio Managers
• Evaluate team skill sets to ensure alignment with role requirements
• Identify high-potential talent, provide mentorship, and foster professional growth
• Oversee comprehensive portfolio monitoring and proactively address emerging risks
• Collaborate with market surveillance teams to assess portfolio vulnerabilities and drive risk mitigation strategies
• Direct the annual credit review process, ensuring timely and high-quality reviews
• Review and validate team outputs to maintain consistency and excellence in credit analysis
• Ensure accurate and consistent underwriting and risk grading
• Escalate potential credit issues to senior management
• Manage reporting and regulatory processes to ensure data accuracy and consistency
• Establish and maintain processes to monitor loan covenant compliance, including construction loan timelines

Required qualifications, capabilities and skills

• Bachelor's degree in Accounting, Finance, Economics, Real Estate, or a related field
• At least 7 years of experience in commercial real estate lending, portfolio management, or debt financing within a financial institution
• Deep expertise in credit underwriting methodologies and risk assessment across office, retail, industrial, and multifamily asset classes
• Demonstrated success in leading, coaching, and developing high-performing teams
• Strong analytical and problem-solving skills with the ability to synthesize complex information
• Exceptional organizational skills with proven ability to manage multiple priorities and deadlines
• Experience in managing reporting and regulatory processes for data accuracy
• Ability to identify and implement opportunities to streamline workflows and enhance operational efficiency
• Proven track record of mentoring talent and driving team engagement
• Experience in monitoring loan covenant compliance and construction loan timelines
• Commitment to maintaining data integrity, quality, and timeliness in internal systems

Preferred qualifications, capabilities and skills

• Advanced degree in Business, Finance, or Real Estate preferred
• Experience partnering with offshore teams for financial statement spreading
• Familiarity with advanced data management and portfolio management techniques
• Experience in driving improvements in data management practices
• Knowledge of internal controls and regulatory requirements in banking
• Experience participating in special ad hoc projects
• Strong communication and stakeholder management skills

FEDERAL DEPOSIT INSURANCE ACT: This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.
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.