JP Morgan Chase & Co.

Credit Officer, Vice President - Community Development Real Estate

JP Morgan Chase & Co. • $130K — $180K *
San Francisco, CA 94112In-Person
Real Estate & Construction
5 - 7 years of experience
More than 3 months ago
Job Overview by Ladders

Qualifications

  • 6+ years of experience in community development real estate lending or investing focused on affordable housing.
  • Underwriting expertise in Low-Income Housing Tax Credits (LIHTC) and construction/permanent financing structures.
  • Proven leadership capabilities with a focus on cross-functional team influence.
  • Strong analytical skills with experience in financial modeling and credit recommendations.
  • Track record of managing multiple transactions effectively with disciplined project management.
  • Excellent stakeholder management with proven customer service skills.
  • High proficiency in Microsoft Office for modeling and documentation.

Responsibilities

  • Lead comprehensive risk analysis of affordable housing transactions and project economics.
  • Prepare and present credit packages to senior management articulating key risks.
  • Evaluate third-party due diligence and integrate it into credit decisions.
  • Manage transaction closings, ensuring aligned documentation and timelines.
  • Identify and monitor credit risk during construction and lease-up phases.
  • Oversee an active loan portfolio, including compliance and modifications.
  • Establish and champion risk analysis standards and best practices.

Benefits

  • Opportunity to influence best practices and mentor peers.
  • Engagement with diverse stakeholders including developers and public agencies.
  • Access to leadership presentations and decision-making processes.
  • Exposure to a global leader in banking and investment across multiple sectors.
Full Job Description
Job Description

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 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 risk analysis 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 risk analysis 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 Tax Credits (LIHTC), subordinate/public subsidy layers, and construction/permanent financing structures.
  • Proven leadership with the ability to set direction, drive accountability, and influence outcomes across cross-functional teams.
  • Strong analytical and financial modeling skills; capacity to synthesize complex information and make sound credit recommendations.
  • Track record of managing multiple transactions and deadlines with disciplined project management and follow-through.
  • Excellent stakeholder management and customer service; trusted partner to clients and internal colleagues.
  • Exceptional written and verbal communication skills, including preparation and delivery of executive-level presentations.
  • Acute attention to detail with strong documentation and control discipline.
  • Proficiency in Microsoft Office (Excel, PowerPoint, Word) for modeling, presentation, and documentation.
  • Bachelor's degree in finance, real estate, economics, or related field (or equivalent experience).
  • Commitment to the CRA mission and familiarity with how lending activities support community impact goals.

Preferred Qualifications, Capabilities, and Skills:
  • Advanced degree (Master's) in real estate, finance, public policy, or related discipline.
  • Experience closing complex, multi-layered capital stacks with tax credits, bonds, and multiple subsidy sources.
  • Familiarity with construction risk management, draw processes, and budget monitoring best practices.
  • Knowledge of local and state housing agency programs, HUD, and municipal financing tools.
  • Experience with portfolio management systems and workflow tools; comfort with data-driven reporting.
  • Prior responsibility presenting to credit committees and senior risk leadership.
  • Active industry engagement through conferences, associations, or thought leadership.


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.

About JP Morgan Chase & Co.

JP Morgan Chase & Co. stands at the forefront of the global financial services industry. They offer an expansive array of products and services to a diverse clientele, including individuals, corporations, governments, and institutions. Ever since the merger of J.P. Morgan & Co. and Chase Manhattan Corporation in 2000, this industry-leading entity has become renowned for its comprehensive portfolio encompassing consumer and community banking, corporate and investment banking, commercial banking, as well as asset and wealth management. Headquartered in the vibrant city of New York, JP Morgan Chase & Co. boasts a formidable presence across over 100 countries worldwide.

Unveiling Employment Opportunities at JP Morgan Chase & Co.

Vacancies and Hiring Initiatives

JP Morgan Chase & Co. is continuously on the lookout for talented individuals eager to contribute to its legacy of excellence. The company's recruitment efforts are geared towards identifying candidates with the right blend of skills and qualifications to drive forward its various business segments. Whether you are a seasoned professional or a recent graduate, JP Morgan Chase offers a plethora of job openings across multiple disciplines.

High-Demand Positions

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Preparing Your Job Application

Your job application, comprising your resume and cover letter, is your ticket to securing an interview at JP Morgan Chase. Highlight your qualifications, skills, and experiences that align with the job listing, ensuring you stand out in the competitive job market.

Acing the Interview

Preparation is key to succeeding in your interview with JP Morgan Chase. Familiarize yourself with the company's business segments, values, and recent achievements. Demonstrating how your background and aspirations match the company's goals can significantly increase your chances of employment. A World of Job Opportunites in the Financial Services Industry JP Morgan Chase & Co. offers a world of job opportunities for those seeking to make their mark in the financial services industry. With competitive salaries, comprehensive benefits, and endless possibilities for growth, positions at JP Morgan Chase are highly coveted. By staying informed through job sites, tailoring your applications, and preparing thoroughly for interviews, you can enhance your prospects of joining the esteemed ranks of JP Morgan Chase employees. Explore the job board, seize the job opportunities, and embark on a rewarding career journey with one of the world's leading financial institutions.
Learn more about JP Morgan Chase & Co.
Size
661 employees
Market Cap
$384.5 billion
Industry
Finance & Insurance
Net Income
$29.1 billion
Founded
1823
5 Year Trend
+0.7%
Revenue
$261.5 million
NASDAQ
CCF
* Ladders Estimates

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