Risk Management - Credit Officer, Community Development Real Estate - Vice President Greater Houston, TX Area

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 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.
• 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 Low Income Housing Tax Credits, other tax credits, 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.

JPMorganChase, 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. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation, paid in the form of cash and/or forfeitable equity, awarded in recognition of 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 & Co. is an Equal Opportunity Employer, including Disability/Veterans

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.