JPMorgan HL Underwriter IV-PHL 

Philippines, Quezon City 

596922616

Job Responsibilities

• Review and analyze customer financial documentation to assess creditworthiness and repayment capacity
• Apply comprehensive knowledge of mortgage underwriting guidelines and regulatory requirements
• Collaborate with internal stakeholders to ensure efficient and accurate loan processing
• Evaluate collateral and property condition to support sound lending decisions
• Identify and resolve documentation deficiencies, communicating findings clearly
• Maintain up-to-date knowledge of credit policy changes and industry standards
• Deliver exceptional customer service and foster positive relationships throughout the underwriting process
• Utilize specialized systems, tools, and calculators to enhance underwriting efficiency
• Communicate underwriting decisions and conditions effectively to relevant parties
• Prioritize workflows to meet productivity, quality, and service level goals
• Mentor and support team members through second reviews and training opportunities

Required Qualifications, Capabilities, and Skills

• Bachelor’s degree in finance, business administration, economics, or related field
• Extensive experience in U.S. residential mortgage processing or underwriting
• Demonstrated expertise in income calculation, credit assessment, and asset analysis
• Thorough understanding of Federal and State regulatory requirements
• Proficiency in mortgage underwriting software and automated underwriting systems (AUS)
• Strong analytical and decision-making skills
• Ability to review and calculate complex personal or business financial statements
• Excellent written and verbal communication skills; CSA / Voice Certified
• Commitment to customer service excellence
• Ability to work independently with minimal supervision
• Willingness to work night shifts (U.S. hours) and adapt to hybrid/in-office schedules

Preferred Qualifications, Capabilities, and Skills

• Comprehensive knowledge of FNMA/FHLMC guidelines and federal mortgage regulations
• Experience underwriting Non-QM and Non-Agency loan products
• Proficiency in tax return, balance sheet, and cash flow analysis
• Knowledge of Mortgage Insurance policies and their application
• Experience with Conventional Agency and Non-Agency loan amounts
• Ability to identify potential fraud and establish appropriate loan resolutions
• Proven track record of mentoring and training team members

TENURE:

• Must meet minimum employment tenure requirement. Specific roles require longer tenure in current position to be eligible to apply. Unless established for specific positions by the line of business, the standard tenure requirement is 12 months.

PERFORMANCE:

• Meets satisfactory performance standards as defined by the firm

By submitting an application and/or joining the interview, you affirm to meet the Internal Mobility Eligibility Requirements as stated in the

In partnership, Hiring Managers and Recruiters will review applications to determine which candidates best meet the required skills and experience specified in the job description. While not every application will result in an interview, applications will be acknowledged.