Credit Risk Associate Jobs in Buffalo, NY (NOW HIRING)

Join a mission-driven team that helps expand access to Affordable and Workforce housing across communities. You'll partner with experienced commercial real estate professionals to deliver tailored financing solutions for impactful developments. If you thrive in complex deal execution and client leadership, this role offers visibility, ownership, and meaningful outcomes.

As a Credit Originator (CO) within Community Development Banking (CDB), you will oversee and promote the new loan origination process for CDB clients and leverage deep Affordable and Workforce housing expertise to deliver best-in-class financing solutions. You will evaluate and structure opportunities, lead deal teams through execution, coordinate credit approvals, and ensure compliance with underwriting standards and credit approval requirements. You will work with a diverse client base including developers, investors, owners, operating companies, investment funds, Housing Authorities, and non-profit organizations. You will partner closely with Client Executives, Primary Credit Officers (PCOs), Credit Executives/Risk, Legal, Closers, Construction Management, Portfolio Management, and internal product partners.

Job Responsibilities

• Lead end-to-end origination and execution across Affordable and Workforce housing transactions
• Evaluate and structure new loan opportunities, identifying key strengths, risks, and mitigants
• Serve as an advisor to clients on credit structuring products and solutions; maintain strong client engagement through client/property visits and industry events
• Coordinate the pitch and credit approval process in conjunction with PCOs and Credit Executives; present proposed transactions to senior management and clearly articulate recommended credit decisions
• Prepare LOIs, term sheets, and negotiate loan documentation; coordinate the closing process and due diligence review CDB
• Lead checklist/closing calls; engage counsel as point of contact; negotiate key requirements with other funders and address LIHTC/Bond/soft lender requirements and compliance.
• Coordinate with Risk, Closing, Construction Management, ASG, ERM, Insurance, and other partners to set the framework for credit analysis, confirm deliverable quality, and drive timely execution.
• Lead the debt delivery process and "own" the client experience as the primary client contact throughout the credit originations process
• Lead the internal post-close hand-off call with CRELA to ensure construction/disbursement deal terms are communicated appropriately CDB.
• Act as primary point of contact for clients and other funders regarding credit-related issues and ongoing requests (e.g., modifications, extensions, amendments, payoffs, collateral releases), coordinating with PCO and Client Executive as applicable CDB.
• Mentor analysts/associates; endorse work product, serve as escalation point during credit analysis and execution, and support development of credit analysis and structuring skills.

Required Qualifications, Capabilities and Skills

• Minimum 7 years of commercial banking/lending experience, including extensive credit, structuring, closing, and loan documentation experience
• Commercial Real Estate credit and underwriting experience required
• Excellent communication skills and ability to present well-reasoned recommendations to senior management
• Strong interpersonal skills to interact with clients and internal partners
• Significant accounting and finance knowledge; strong real estate fundamentals
• Strong analytical and business writing skills
• Proficiency with Microsoft Word, Excel, and PowerPoint
• BA/BBA Degree

Preferred Qualifications, Capabilities and Skills

• Completion of a major corporate banking credit training program
• MBA
• Knowledge of JPMorganChase (or similar bank) policies and procedures

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.