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 Credit Risk Vice President on the Commercial and Investment Banking (CIB) North America Real Estate Credit Risk Team, you will be responsible for a portfolio of clients and will have primary day-to-day responsibility for managing and monitoring credit exposure to them.  You will work a client base of leading real estate, lodging, gaming, homebuilding and real estate service companies.  The portfolio of credit products we manage and monitor includes corporate recourse traditional credit products (revolving credit facilities and term loans), real estate asset level financings, whole loan repos, risk retention, derivatives and treasury lines.

Job Responsibilities

Lead credit due diligence and providing credit expertise in structuring new debt facilities for leveraged buyouts, recapitalizations, acquisitions, construction/development and general corporate purposes Lead the client credit relationship in partnership with CIB sales teams from IB Coverage, Corporate Banking, Investment Grade & Leveraged Finance, Securitized Products, Sales & Trading, Treasury & Security Services, Legal, etc Remain current on all aspects of the credit relationship, including exposure, collateral, threshold management, compliance, potential problems and opportunities Supervise, review and provide input on analysis prepared by junior team members and their workflow Utilize assigned lending authority to approve lending and trading exposures within designated limits or obtaining higher level approval when needed Lead or assist on negotiation and completion of documentation for loan and derivative transactions Provide a cohesive and comprehensive approach to review ratings, risk assessment, portfolios, clients and sub-sectors Lead senior management presentations, including annual industry reviews and quarterly portfolio tiering meetings to assess client, industry, and sector developments, and to evaluate risk ratings Lead the discussion and responding to questions regarding clients during internal and regulatory audits of the portfolio Ensure compliance with all audit and administrative requirements including adherence to internal policies and procedures, as well as regulatory guidance and requirements

Required Qualifications, Capabilities and Skills 

Minimum 5 years of experience in commercial/corporate credit, investment banking lending or relevant experience within financial services  Advanced knowledge of financial statements and accounting Strong understanding of financial products, corporate finance and market dynamics Experience with documentation related to credit agreements; negotiating loan and trading documents Exceptional verbal and written communication skills Strong relationship management skills and success partnering with internal groups and interfacing with external clients Ability to effectively present analysis and interact with key stakeholders Capability to perform due diligence and negotiation with clients Candidate should be highly proficient in Excel, PowerPoint and Word 

Preferred Qualifications, Capabilities and Skills 

Experience including credit and structuring Real estate industry expertise