Credit Officer, Vice President - Community Development Real Estate

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

You will structure, underwrite, and present transactions; drive closings; 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 underwriting of affordable housing transactions, including development budgets, sources and uses, and project 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.


* Coordinate and manage transaction closings, driving timelines, documentation, and stakeholder alignment to on-time funding.


* 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 and refine underwriting standards and best practices; champion accountability and continuous improvement across the team.


* Collaborate with internal partners (Legal, Portfolio Management, Risk, Operations, Tax Credit teams) and external parties (developers, syndicators, agencies).


* Conduct site visits and participate in industry events to maintain market knowledge and strengthen relationships.


* 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:


* 6+ years of experience in community development real estate lending or investing with a focus on affordable housing.


* Demonstrated underwriting expertise in Low-Income Housing T...