JPMorgan Underwriter IV - Assumptions 

United States, Ohio, Columbus 

217591426

As a Mortgage Underwriter within the Assumptions team you will play a crucial role in evaluating underwriting files by assessing the five key areas: Capacity, Capital, Character, Collateral, and Condition. You will be responsible for clearly communicating the results of your analysis and ensuring that loan requests align with program and product specifications, or proposing counter-offers when necessary. Additionally, you will convey decisions whether approval, suspension, or denial to the relevant parties within JPMorgan Chase. Your role will also involve upholding JPMorgan Chase Mortgage's fair lending practices, achieving targets for productivity, quality, and customer satisfaction, and conducting second reviews of contract-underwritten denials.

• 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

• Must have a minimum 2 years Government mortgage underwriting and 3 years Conventional experience
• HUD Direct Endorsement (DE) and VA credit
• 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

• 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