Credit Officer, Vice President - Special Credits

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 Vice President in the Special Credit Group within Commercial Term Lending, you lead the management and resolution of defaulted and non-performing commercial real estate (CRE) loans secured primarily by West Coast properties. You will drive portfolio-level and asset-level strategies that optimize recoveries through restructures, modifications, discounted payoffs, note sales, and foreclosure pathways. You will ensure rigorous compliance with regulatory and bank risk policies, elevate reporting quality for senior stakeholders, and guide junior talent while serving as a technical subject-matter expert.

Job Responsibilities:

• Lead end-to-end workout strategies for defaulted and non-performing Commercial Real Estate loans to maximize recoveries and reduce loss severity.
• Execute restructures, modifications, discounted payoffs, note sales, and foreclosure processes, coordinating closely with legal, servicing, and asset management teams.
• Oversee negatively classified and non-performing assets, ensuring disciplined loan oversight, documentation, and adherence to risk rating methodologies and bank policies.
• Perform advanced property-level and portfolio cash flow analysis (historical and pro-forma), scenario modeling, and valuation to inform decisioning and negotiations.
• Serve as project lead on special assignments, including income property loan portfolio evaluations, policy updates, and training initiatives for less experienced staff.
• Design new analytical frameworks and enhance management reports that track portfolio status, recovery pathways, timelines, and performance KPIs for senior leadership.
• Negotiate with borrowers, sponsors, and counterparties to drive time-bound, value-accretive outcomes in dynamic market conditions.
• Respond as a technical expert to customer inquiries and resolve system-related issues impacting loan administration and reporting fidelity.
• Prepare periodic portfolio status reports and present progress updates, risks, and mitigants to Senior Management and governance forums.
• Ensure strict adherence to regulatory, compliance, and reputation risk policies, escalating emerging risks and exceptions appropriately.
• Build and maintain effective relationships with internal and external stakeholders to accelerate execution and improve outcomes.

Required Qualifications, Capabilities, and Skills:

• Undergraduate degree in Business, Finance, or a related discipline.
• 7+ years of experience in real estate lending, construction and permanent financing, underwriting, loan review, and/or loan workouts, with direct Commercial Real Estate exposure.
• Deep understanding of Commercial Real Estate valuation concepts and methodologies across major property types and special situations.
• Extensive experience with property cash flow analysis (historical and pro-forma), debt service coverage, and sensitivity/scenario modeling.
• Advanced proficiency in Excel for financial modeling; strong working knowledge of Word and Access for documentation and data management.
• Demonstrated negotiation skills with borrowers, sponsors, and third parties to achieve recovery-maximizing outcomes.
• Strong analytical and problem-solving capabilities with proven judgment in dynamic credit and real estate markets.
• Excellent written and verbal communication skills, including executive-level reporting and portfolio storytelling.
• Knowledge of risk rating methodologies, credit risk assessment processes, and regulatory expectations for criticized/classified assets.
• Ability to independently plan and execute non-routine financial analysis and reporting projects with minimal oversight.
• Track record of cross-functional collaboration and relationship building across legal, servicing, appraisal, and asset management teams.

Preferred Qualifications, Capabilities, and Skills:

• West Coast Commercial Real Estate market experience and familiarity with regional legal and foreclosure processes.
• Experience leading discounted payoff and note sale transactions, including marketing processes and bid evaluation.
• Hands-on exposure to Real Estate Owned strategies and property-level business plans during post-foreclosure phases.
• Working knowledge of commercial real estate loan systems and data workflows; aptitude for resolving system-related issues and enhancing reporting processes.
• Prior experience mentoring or managing junior analysts/associates and delivering training content.
• Advanced Excel modeling and data tools experience (e.g., Access optimizations).
• Graduate degree (MBA, MSRE) and/or relevant professional credentials a plus.