Underwriter jobs in United States, Ohio, Columbus

• Works independently with little or no oversight. Exercises exception and elevated approval authority. Prepares loan offerings for all types of transactions at any level of complexity or in management of a portfolio as assigned. Interacts with internal/external customers. Serves as a subject matter expert for certain asset classes, and may represent or lead the department on special projects or assignments.
• Using independent judgment to identify risks and mitigants, prepares offerings and/or scorecards, such as risk ratings, by analyzing credit, collateral strength and financial worthiness of loan/transaction parties. If relevant, performs ongoing credit risk management for assigned portfolio. May coach and/or review the work of other underwriters and fill in for manager as required.
• Contacts internal/external customers and other parties as appropriate to gather information and to clarify inconsistent, incorrect or missing information. Performs relevant pre-approval and post-approval activities.
• Identifies and/or confirms all external regulatory requirements. Ensures internal policies/procedures are followed.
• Makes recommendations on credit decisions or makes credit decisions directly, as appropriate.
• Roles at this level typically require a university / college degree, with 3+ years of relevant / direct industry experience. Certifications are often desired. In lieu of a degree, a comparable combination of education and experience (including military service) may be considered.

PNC Employees take pride in our reputation and to continue building upon that we expect our employees to be:

• Customer Focused - Knowledgeable of the values and practices that align customer needs and satisfaction as primary considerations in all business decisions and able to leverage that information in creating customized customer solutions.
• Managing Risk - Assessing and effectively managing all of the risks associated with their business objectives and activities to ensure they adhere to and support PNC's Enterprise Risk Management Framework.

Successful candidates must demonstrate appropriate knowledge, skills, and abilities for a role. Listed below are skills, competencies, work experience, education, and requiredneeded to be successful in this position.

This position is subject to the requirements of Section 19 of the Federal Deposit Insurance Act (FDIA) and, for any registered role, the Secure and Fair Enforcement for Mortgage Licensing Act of 2008 (SAFE Act) and/or the Financial Industry Regulatory Authority (FINRA), which prohibit the hiring of individuals with certain criminal history.

Refer to the

As an Underwriter III- Mortgage in Assumptions, you will be responsible for delivering top notch support that is vital to Home Lending and the Consumer and Community Bank.

Job responsibilities

• Ensure that loan transaction meets investor assumption transfer of ownership guidelines
• Ensure that loan request meets program and product specifications or counter-offer, when appropriate
• Communicate decision of loan (approval, suspense, denial) to appropriate individuals within JPMorgan Chase
• Uphold fair lending practices of JPMorgan Chase Mortgage
• Meet productivity targets for productivity, quality, and customer satisfaction
• Contribute continually to the success of the business, customers, profitability and controls
• Contribute to the initiatives that improve our business

Required qualifications, capabilities, and skills

• 3+ years' Conventional mortgage underwriting experience
• Expertise in Government, Agency and Jumbo guidelines as well as understanding of Government lending
• Demonstrated high productivity and quality in prior role in a consistent manor
• Demonstrates ability to work in a team, and coach/mentor others
• Strong verbal and written communication skills
• Strong analytical, decision making, and negotiation skills

Preferred qualifications, capabilities, and skills

• Demonstrates understanding of the end to end origination and/or assumptions process flow
• Knowledge of Mortgage insurance policies
• Experience in creative solutions, exceptions justification, and customer focus