Senior Credit Originator

2 months ago

Chicago, Illinois, United States JPMorganChase Full time

Job Description
Senior Credit Originator, Executive Director - Real Estate Banking
Commercial Banking delivers extensive industry knowledge, local expertise and seamless global capabilities to clients, including corporations, municipalities, financial institutions, real estate investors and owners, and not-for-profit organizations, with annual revenue generally ranging from $20 million to $2 billion. We offer a comprehensive set of financial products and services including credit, asset-based lending, real estate finance and treasury. We also provide clients with access to investment banking and asset management services. The Commercial Real Estate Group is made up of four distinct businesses including Commercial Term Lending (CTL), Community Development Banking (CDB), Off Balance Sheet Capital (OBS) and Real Estate Banking (REB).
As a Senior Credit Originator in Real Estate Banking, you will be responsible for overseeing and promoting the new loan origination process for commercial real estate clients. You will leverage your industry knowledge to offer best-in-class financial solutions across all major real estate asset types. You will work with a diverse range of clients, including developers, investors, owners, operating companies, investment funds, real estate investment trusts, and non-profit organizations. Your role will involve evaluating new loan opportunities, structuring complex loans, coordinating the credit approval process, and overseeing compliance with established underwriting standards and guidelines. This role provides an opportunity to apply your strong working knowledge of the commercial real estate industry and banking rules and regulations, and to lead a team to deliver accurate, timely results.
Job responsibilities:

  • Evaluate new loan opportunities and drive strategic new business opportunities; identify strengths and weaknesses of proposed transactions
  • Contribute to the development and execution of client strategies in collaboration with Client Executives
  • Structure complex loans and coordinate the credit approval process in conjunction with Underwriters, Client Executives, and Credit Executives
  • Present to senior management proposed loan transactions; confidently exercise authority while clearly articulating the reasoning behind recommended credit decisions
  • Review Underwriting, Investment Committee Memorandums, Credit Approval Packages, and Risk Rating recommendations
  • Prepare and negotiate term sheets, negotiate loan documentation
  • Coordinate the real estate closing process, including reviewing the due diligence
  • Oversee compliance with established underwriting standards and guidelines, credit approval requirements, and other policies and procedures associated with new loan originations
  • Assist with training and development of junior staff members and in some cases managing staff
  • Act as the primary point of contact for clients regarding credit related issues and ongoing credit requests, actively collaborating with internal product partners to ensure consistent and timely communication related to ongoing loan performance where applicable

Required qualifications, capabilities, and skills

  • Minimum 10 years of commercial banking/lending experience, including extensive credit, structuring, closing, and loan documentation experience
  • Experience in Commercial Real Estate Credit is required
  • Excellent communication skills, including the ability to clearly express and support opinions in a confident and diplomatic manner, listen thoughtfully to the input and critiques of managers and team members, and effectively articulate positions to senior management
  • Superior interpersonal skills to interact with clients, counsel, products partners, and senior management
  • Significant accounting and finance knowledge, as well as strong knowledge of real estate fundamentals and concepts.
  • Strong analytical and business writing skills
  • Proficient with Microsoft Word, Microsoft Excel, and Microsoft Power Point
  • BA/BBA required

Preferred qualifications, capabilities, and skills

  • Completion of a major corporate banking credit training program preferred
  • MBA preferred
  • Knowledge of JPMC or similar bank policies and procedures preferred

About Us
JPMorgan Chase & Co., one of the oldest financial institutions, offers innovative financial solutions to millions of consumers, small businesses and many of the world's most prominent corporate, institutional and government clients under the J.P. Morgan and Chase brands. Our history spans over 200 years and today we are a leader in investment banking, consumer and small business banking, commercial banking, financial transaction processing and asset management.
We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.
We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. We also make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as mental health or physical disability needs. Visit our FAQs for more information about requesting an accommodation.
JPMorgan Chase is an Equal Opportunity Employer, including Disability/Veterans
About the Team
Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.
The Commercial Real Estate (CRE) group is the nation's leading multifamily lender, leveraging its industry knowledge to offer best-in-class and cost-effective financing solutions across all major real estate asset classes with speed, ease and certainty of execution. Teams work with national and regional clients across the sector, including developers, investors, owners, operating companies, investment funds, real estate investment trusts and non-profits.

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