Credit Originator - Commercial Real Estate, Cash Flow and Derivative Lending - Vice President

We are seeking a highly skilled and experienced Vice President to join our cash flow-based and unsecured credit products team within Commercial Real Estate. This role offers the opportunity to contribute to a growing national platform focused on delivering financing solutions to a diverse client base, including asset-light operating companies, institutional asset managers, closed-end investment funds, and real estate investment trusts. Transaction scope is highly varied, including working capital facilities for property management and real estate services companies, unencumbered asset pool financings for large private real estate funds, derivative facilities for private equity sponsors and investment managers, and in select situations, leveraged lending opportunities for real estate operators associated with acquisition and buy-out financing.

As a Vice President within the cash flow-based and unsecured credit products team within Commercial Real Estate, you will play a leading role in the origination, structuring, underwriting, and execution of corporate credit transactions. You will coordinate across internal and external stakeholders, including coverage, syndications, credit, legal, and client teams. You will be responsible for managing transactions throughout the full lifecycle, from initial client engagement and financial analysis through credit approval, documentation, and closing.

Job Responsibilities

• Analyze corporate financial statements, business models, cash flow generation, and collateral profiles to assess debt capacity and recommend appropriate financing structures.
• Lead and participate in client due diligence activities, including meetings with management teams, sponsors, investors, advisors, and other transaction stakeholders.
• Prepare and oversee pitch materials, financial analyses, credit underwriting memoranda, investment committee presentations, and client-facing deliverables.
• Structure and execute a broad range of cash flow-based and unsecured credit facilities in partnership with coverage, syndications, credit, legal, treasury, and product teams.
• Evaluate ancillary business opportunities and broader client relationship potential associated with lending transactions.
• Negotiate term sheets, credit agreements, and related legal documentation to ensure transaction economics, structure, and risk parameters align with client objectives and firm standards.
• Manage the transaction closing process, including coordination of due diligence, internal approvals, external advisors, and legal counsel.
• Mentor, develop, and provide guidance to junior team members while fostering a collaborative and high-performance team environment.
• Contribute to strategic initiatives, process enhancements, and platform development efforts

Required Qualifications, Capabilities, and Skills

• Minimum 5  years of commercial/corporate banking lending experience including extensive credit, structuring, and marketing
• Advanced understanding of financial statements, accounting principles, cash flow modeling, and credit risk assessment.
• Strong written and verbal communication skills, with the ability to interact effectively with clients, counsel, product partners, credit officers, and senior management.
• Proven ability to manage multiple transactions and priorities while maintaining a high standard of accuracy and professionalism.
• Experience reviewing and negotiating corporate credit agreements and related loan documentation.
• Familiarity with derivative products and related documentation, including ISDA and Credit Support Annex (CSA) agreements.
• Bachelor''s degree

Preferred Qualifications, Capabilities, and Skills

• Experience with diversified cash flow industries, syndicated credit facilities, and/or leveraged finance
• Experience working within a regulated banking environment and familiarity with bank credit, risk, and approval processes.
• Familiarity with large language models, artificial intelligence tools, and emerging technologies that enhance productivity, analysis, and execution capabilities.

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