Description

Introductory Marketing Language
Join a team where your expertise shapes the future of home lending and empowers customers to achieve their dreams. As a Home Loan Underwriter, you play a pivotal role in delivering fair, accurate, and timely lending decisions. You'll collaborate with talented professionals, leverage advanced tools, and make a real difference in people's lives. At JPMorgan Chase, we value your commitment to excellence and customer satisfaction. Take the next step in your career and be part of a team that values your skills and dedication.

Job Summary
As a Home Loan Underwriter IV in the Home Lending team, you serve as a key decision-maker, ensuring loan applications meet program and regulatory requirements. You collaborate with advisors and specialists to deliver seamless, high-quality service to our customers. You apply your expert knowledge to analyze complex financial documentation and propose solutions that help customers obtain or retain homeownership. You help us uphold fair lending practices and drive operational excellence. This role offers you the opportunity to mentor others and contribute to a positive, customer-focused environment.

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

Internal Application Eligibility Requirements

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 Applying for Internal Positions Firmwide Standard. You are expected to provide true and accurate information to the Company during the recruitment and application process. Knowingly giving false or misleading information shall be subjected to the imposition of appropriate corrective action, following the firm's Human Resource Policies and Guidelines.

Inform your manager once scheduled for an interview. Include in your discussion if you have questions about eligibility or Line of Business specific guidelines.

Make sure your profile is updated in the new me@jpmc > Jobs. Attaching your updated resume is encouraged.

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.

About Us

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 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.

About the Team

Our Consumer & Community Banking division serves our Chase customers through a range of financial services, including personal banking, credit cards, mortgages, auto financing, investment advice, small business loans and payment processing. We're proud to lead the U.S. in credit card sales and deposit growth and have the most-used digital solutions - all while ranking first in customer satisfaction.