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.

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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.

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Lead origination and execution of cash flow-based and unsecured corporate credit transactions within Commercial Real Estate.