Job Description

Provide global, follow-the-sun operational support for US real estate-secured commercial lending by ordering, tracking, and quality-checking flood zone determinations. You will serve as the US-based Subject Matter Expert (SME) for overseas teams, helping them navigate complex loan structures, property types, and high-profile clients. You will bring a strong operational mindset, practical problem-solving, and the ability to explain requirements in plain language to ensure consistent, compliant execution and strong time zone continuity. If you enjoy detail-driven execution and supporting time-sensitive transactions, this role offers high impact and strong visibility.

Job summary

As a Flood Determination Specialist in WLS Insurance Originations, you will provide follow-the-sun operational support by ordering, tracking, and quality-checking flood zone determinations supporting Commercial Real Estate lending. You will help global partners navigate complex collateral packages and deliver consistent execution through disciplined controls and clear handoffs.

Job responsibilities

• Order initial flood determinations for United States commercial real estate collateral through approved vendors and systems for lending events (such as originations, renewals, extensions, modifications, assumptions, collateral substitutions, and restructurings).
• Evaluate when reuse of an existing flood determination is permitted and document the rationale.
• Track cases end-to-end with timely follow-ups, status accuracy, and audit-ready evidence capture.
• Review returned determinations for completeness and obvious mismatches (for example, address integrity, property identifiers, determination dates, and map references) and drive corrections when needed.
• Coordinate structured global handoffs to provide follow-the-sun coverage and minimize time zone delays on urgent transactions.
• Serve as a subject matter escalation point for global partners on FEMA/flood workflow questions related to United States properties, including unusual collateral structures and complex property profiles.
• Provide quick-turn guidance on required information for compliance and strategic progress.
• Explain missing information and compliance needs in plain language, including what is needed, why it is needed, and what happens next.
• Draft and maintain templates for common commercial scenarios (such as multi-parcel collateral, phased projects, condominiums, mixed-use properties, and construction-to-permanent financing).
• Partner with Flood Compliance, Risk & Controls, and Operations leadership to manage exceptions or disputes, documenting outcomes and approvals as required.
• Identify and validate critical intake information to support accurate determinations (such as standardized addresses, parcel identifiers, and multi-property naming conventions).

Required qualifications, capabilities and skills

• Minimum of 2 years of experience in commercial lending operations supporting United States real estate collateral (for example, originations, closing, collateral, servicing, credit execution, or compliance operations).
• Demonstrated understanding of commercial loan structures and common loan events (including renewals, extensions, modifications, and collateral substitutions).
• Ability to manage multiple cases concurrently with strong prioritization, follow-through, and documentation discipline.
• Ability to communicate requirements clearly in plain language to stakeholders with varying levels of subject matter familiarity.
• Strong attention to detail and quality control skills to identify mismatches and completeness issues in returned determinations.
• Sound judgment in escalation, exception handling, and documenting rationale in an audit-ready manner.

Preferred qualifications, capabilities and skills

• Hands-on experience ordering and tracking flood determinations and working with third-party vendors.
• Experience supporting globally distributed teams with formal handoffs and time zone continuity.
• Experience handling complex commercial property types and multi-parcel collateral packages.

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