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 capacityApply comprehensive knowledge of mortgage underwriting guidelines and regulatory requirementsCollaborate with internal stakeholders to ensure efficient and accurate loan processingEvaluate collateral and property condition to support sound lending decisionsIdentify and resolve documentation deficiencies, communicating findings clearlyMaintain up-to-date knowledge of credit policy changes and industry standardsDeliver exceptional customer service and foster positive relationships throughout the underwriting processUtilize specialized systems, tools, and calculators to enhance underwriting efficiencyCommunicate underwriting decisions and conditions effectively to relevant partiesPrioritize workflows to meet productivity, quality, and service level goalsMentor 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 fieldExtensive experience in U.S. residential mortgage processing or underwritingDemonstrated expertise in income calculation, credit assessment, and asset analysisThorough understanding of Federal and State regulatory requirementsProficiency in mortgage underwriting software and automated underwriting systems (AUS)Strong analytical and decision-making skillsAbility to review and calculate complex personal or business financial statementsExcellent written and verbal communication skills; CSA / Voice CertifiedCommitment to customer service excellenceAbility to work independently with minimal supervisionWillingness 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 regulationsExperience underwriting Non-QM and Non-Agency loan productsProficiency in tax return, balance sheet, and cash flow analysisKnowledge of Mortgage Insurance policies and their applicationExperience with Conventional Agency and Non-Agency loan amountsAbility to identify potential fraud and establish appropriate loan resolutionsProven 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.