JPMorgan Home Lending Underwriter III - 

United States 

27377873

Job Responsibilities

• Applies knowledge of Mortgage Process, GSE Underwriting Guidelines and Chase Credit Underwriting guidelines.
• Adheres to all Chase Fair Lending practices
• Proficiency in AUS and manual underwriting processes
• Reviews all loan underwriting documentation to ensure compliance with state guidelines and Chase requirements
• Analyzes financial information including calculation of income, debt ratios and verification of assets
• Ensures loan decisions meet all program and product specifications
• Identifies and addresses red flags found in the file documentation.
• Identifies documentation deficiencies within review and communicates findings with clarity
• Displays Best in Class Customer Service as measured by customer surveys and feedback.
• Effectively communicate using strong verbal and written communication skills as well as excellent teamwork with internal employees and external customers
• Demonstrates the ability to successfully function in a fully virtual workspace
• Achieves and exceeds work goals for productivity, quality and turnaround time
• Pass all audits and exams.
• Keeps up to date on all credit policy changes that impact underwriting
• Applies relevant technical and computer expertise

Required Qualification, Skills

• Minimum of 5 years experience as a residential mortgage underwriter
• Minimum of 3 years of Non Agency underwriting experience
• Proficiency with complex personal and business financial analysis to include strong financial analytics experience focusing on cash flow, balance sheets and corporate tax returns
• Demonstrated expertise of GSE lending guidelines
• Prior experience in manual underwriting
• Proven analytical and decision making skills
• High school diploma or equivalent
• College degree preferred