Risk Management - Credit Officer, Community Development Real Estate - Vice President

JPMorgan Chase & Co.•Houston, TX

9d•$144,400 - $240,000

About The Position

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.

Requirements

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.

Nice To Haves

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.

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.