Real Estate Banking (REB): Delivers commercial real estate and banking products to national and regional real estate developers, investors, Real Estate Operating Companies (REOCs), Real Estate Investment Trusts (REITs) and opportunity and investment funds working alongside REB Bankers, Underwriters and Treasury Services Payments partners.

What you can expect

Our 2025 REB Analyst program will provide you with a valuable experience in Commercial Real Estate as well as knowledge of Commercial Banking as a whole. The program is 2.5 years in duration and includes targeted Commercial Real Estate training paired with exposure to both Sales/Originations, Credit/Risk, Treasury Services, and Portfolio Management.

The program, which starts June 2025, provides REB Analysts with the ability to develop a strong foundation of analytical skills across a range of asset classes needed for a successful career in Commercial Real Estate. You'll work with real estate professionals on a team, drawing from the full spectrum of the firm's resources to develop customized financial solutions to meet client needs.

You'll begin the program with an intensive training program where you will learn about our products and services, clients and business practices. Under the leadership of our lending and training professionals, you will gain in-depth knowledge of accounting, Commercial Banking, Commercial Real Estate, underwriting, financial statement analysis, pro-forma modeling, risk grading, cash flow analysis, and credit structuring. The program uses a full range of teaching methods such as lectures, team exercises, exams and case studies.

Upon the completion of your initial training, you will spend the duration of your program in our San Francisco office where you will work with our Real Estate Banking Team to provide support to our clients and gain exposure to both Sales/Originations, Credit/Risk, Treasury Services, and Portfolio Management.

Upon successful completion of the 2.5 year REB Analyst Program, you may be promoted to Associate.

Key responsibilities of a Full Time Analyst include:

• Financial modeling & risk grading to support transactions
• Collateral & market analysis
• Preparation of marketing materials for use in client meetings (covering topics such as financing alternatives and industry / market trends & analysis)
• Sponsorship & guarantor analysis
• Assisting in the completion of credit approval memos and annual reviews
• Summarize key deal metrics and facts for new loan letters of intent
• Support sales teams with ad-hoc requests, property inspections and market research
• Portfolio monitoring and management
• Learn about treasury services tailored to commercial real estate and end to end sales process using a variety of internal sales tools
• Developing an understanding of the full breadth of J.P. Morgan products and service offerings

About You

We are looking for candidates who have a keen interest in real estate banking and a desire to work with team members in our San Francisco office to build client relationships and provide exceptional client service.

Preferred qualifications, capabilities, and skills:

• Exceptional verbal and written communication skills
• Excellent problem solving and critical thinking skills
• Strong attention to detail
• Ability to thrive in a collaborative work environment
• Coursework or previous internship in real estate, finance, accounting or economics a plus
• Authorization to work in the U.S.
• Graduating between June 2024 - June 2025
• Enrolled in good standing at an accredited university in the U.S.

To be eligible for this program, you must be authorized to work in the U.S. We do not offer any type of employment-based immigration sponsorship for this program. Likewise, JPMorgan Chase & Co., will not provide any assistance or sign any documentation in support of any other form of immigration sponsorship or benefit including optional practical training (OPT) or curricular practical training (CPT).

Please note that your performance in this program will be evaluated for the purpose of assessing a full time offer post-graduation, a role that is likewise ineligible for employment-based immigration sponsorship.

This position is subject to Section 19 of the Federal Deposit Insurance Act. As such, an employment offer for this position is contingent on JPMorganChase's review of criminal conviction history, including pretrial diversions or program entries.

About The Process:

To be considered for the Commercial Real Estate Analyst Program, you must complete the following steps:

If you meet the minimum criteria for the Analyst Program application, you will receive an invitation to complete HireVue.

If selected, our team will reach out to you with additional details.

JPMorgan Chase is committed to creating an inclusive work environment that respects all people for their unique skills, backgrounds, and professional experiences. We will provide reasonable accommodations for applicants with disabilities.

About Us

JPMorgan Chase & Co., 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 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. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

The health and safety of our colleagues, candidates, clients and communities has been a top priority in light of the COVID-19 pandemic. JPMorgan Chase was awarded the "WELL Health-Safety Rating" for all of our 6,200 locations globally based on our operational policies, maintenance protocols, stakeholder engagement and emergency plans to address a post-COVID-19 environment.

As a part of our commitment to health and safety, we have implemented various COVID-related health and safety requirements for our workforce. Employees are expected to follow the Firm's current COVID-19 or other infectious disease health and safety requirements, including local requirements. Requirements include sharing information including your vaccine card in the firm's vaccine record tool, and may include mask wearing. Requirements may change in the future with the evolving public health landscape. JPMorgan Chase will consider accommodation requests as required by applicable law.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. For those in eligible roles, discretionary incentive compensation which may be 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.

Equal Opportunity Employer/Disability/Veterans

About the Team

Commercial Banking is focused on helping our clients succeed and making a positive difference in our communities. We provide credit and financing, treasury and payment services, international banking and real estate services to clients including corporations, municipalities, institutions, real estate investors and owners, and nonprofit organizations.

ABOUT US

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. For those in eligible roles, we offer discretionary incentive compensation which may be awarded in recognition of firm performance and 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

ABOUT THE TEAM

J.P. Morgan's Global Banking business is one of the largest wholesale banking client franchises in the world. We serve clients, including corporations, governments, states, municipalities, healthcare organizations, education institutions, banks and investors.

Commercial Banking provides credit and financing, treasury and payment services, international banking and real estate services to clients-including corporations, municipalities, institutions, real estate investors and owners, and not-for-profit organizations.