Credit Officer - Community Development Real Estate - Vice President

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 Workforce and Affordable Housing Credit Officer in the Community Development Real Estate team, you will lead the full credit lifecycle for construction and permanent loans supporting workforce and affordable multifamily developments.

You will lead the risk review and analysis, structure and present transactions; and manage a portfolio through construction, lease up, stabilization, and repayment.

This role provides the opportunity to influence best practices, mentor peers, and shape credit decisions that align with risk appetite and community impact objectives.

You'll partner closely with developers, syndicators, public agencies, and cross functional internal teams to deliver timely, high quality outcomes.

Job Responsibilities:
• Lead end to end risk analysis of workforce and affordable housing transactions, including sources and uses, and project and market economics.
• Prepare, present, and defend comprehensive credit packages to senior management and credit committees, clearly articulating key risks and mitigants.
• Evaluate and synthesize third party due diligence (appraisals, environmental, construction, market studies) and incorporate findings into credit decisions.
• Review legal documentation and confirm alignment with risk appetite and approved credit terms.
• Identify, assess, and monitor credit risk throughout construction and lease up; implement proactive action plans where warranted.
• Manage an active loan portfolio, including construction draws, covenant tracking, annual reviews, and modifications.
• Establish risk analysis standards and best practices; champion accountability and continuous improvement across the team.
• Collaborate with internal partners (Legal, Portfolio Management, Risk, Operations) and external parties (developers, subordinate lenders).
• Conduct site visits and participate in industry events to maintain market knowledge and strengthen relationships.
• Using underwriting metrics, present clear analyses, recommendations, and status updates to leadership; escalate issues with timely, data driven guidance.
• Maintain meticulous documentation and data integrity across systems to support controls, audits, and reporting.

Required Qualifications, Capabilities, and Skills:
• 4+ years of experience in market rate or community development real estate lending or investing.
• Demonstrated underwriting expertise in subordinate/public subsidy layers, and construction/permanent financing ...