Lead Credit Officer - Environmental Risk - Vice President

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 an Environmental Risk Vice President in Environmental Risk Management, you provide expert environmental risk review and guidance for commercial real estate secured lending and related portfolios. You work with us to apply the Environmental Risk Management Guideline and line-of-business procedures in day-to-day execution, helping ensure consistent, well-documented decisions. You translate environmental due diligence findings into clear written and verbal recommendations that support timely credit decisions and risk mitigation. You help us continuously improve processes, documentation, and quality through peer review and operational enhancements. You may also lead day-to-day workflow and provide guidance to colleagues, supporting our shared culture of accountability and development.

Job Responsibilities

- Review environmental records and due diligence reports for commercial real estate secured loan transactions and prepare recommendation memoranda
- Procure environmental due diligence and remediation reports from qualified consultants in accordance with bank guidelines
- Analyze collateral assets across lending, portfolio management, and real estate owned acquisition and disposition activities
- Evaluate Phase I Environmental Site Assessments and additional investigations for defaulted commercial real estate loans
- Coordinate consultant requests for proposals, scope definition, selection, monitoring, and work-product review
- Advise bankers, underwriters, and management on findings, next steps, further investigation needs, and risk avoidance or mitigation options
- Review complex property situations, including contaminated properties undergoing or requiring remediation
- Critically review scopes of work for Phase II subsurface investigations and remedial action plans
- Perform peer review of colleagues’ memoranda in alignment with the peer review matrix
- Develop and standardize tools and documentation such as inspection checklists, questionnaires, and request templates
- Lead and execute special projects, including acquisition-related exposure analysis and audit response support

Required qualifications, capabilities, and skills

- Bachelor’s degree (or equivalent education) in environmental sciences or a related field
- At least 8+ years of experience administering environmental investigations, environmental risk management, or loss prevention programs supporting commercial real estate assets
- Demonstrated experience performing technical review of environmental due diligence reports and translating results into written recommendations
- Demonstrated knowledge of federal and state environmental laws and regulatory guidance relevant to environmental risk in banking
- Demonstrated ability to assess environmental liability drivers and recommend avoidance, reduction, and mitigation techniques
- Demonstrated ability to evaluate Phase I Environmental Site Assessments and guide additional investigation needs, including Phase II subsurface investigations
- Strong written and verbal communication skills with internal stakeholders, including underwriters, bankers, and credit approvers
- Proficiency with Microsoft Outlook, Word, PowerPoint, and Excel
- Demonstrated ability to manage pipeline workload, meet due dates, and produce consistently sound risk decisions
- Demonstrated ability to perform quality review of peer work products and provide constructive feedback
- Demonstrated ability to guide day-to-day work and provide direction on complex situations for a team or workgroup

Preferred qualifications, capabilities and skills

- Professional designation or license such as Registered Environmental Assessor
- Professional designation such as Certified Asbestos Consultant (or equivalent)
- Experience supporting environmental risk decisions for large, complex commercial real estate portfolios at a lender
- Experience developing standardized minimum report standards and review templates for environmental deliverables
- Experience managing consultant performance, including scope development, fee review, and deliverable quality control
- Experience supporting environmental risk analysis for acquisitions and audit examinations
- Prior people leadership experience including coaching, training, and performance feedback