Embark on a rewarding and challenging career as an Mortgage Underwriter IV with our team. You'll have the opportunity to do what's right for clients/customers and colleagues. Join our dynamic team and make a meaningful impact by leading your team to create great customer experiences that cultivate long-lasting relationships

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.

Job Responsibilities

• 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

Required Qualifications, Capabilities, and Skills

• 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

Preferred Qualifications, Capabilities, and 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

This is a hybrid (3 days in office/2 days remote) role, located in either Columbus OH, Jacksonville FL, or Milwaukee WI. This role does not offer relocation assistance or immigration sponsorship.

Chase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We offer a competitive total rewards package including base salary determined based on the role, experience, skill set, and location. Those in eligible roles may receive commission-based pay and/or discretionary incentive compensation awarded in recognition of individual achievements and contributions. We also offer a range of benefits and programs to meet employee needs, based on eligibility. These benefits include comprehensive health care coverage, on-site health and wellness centers, a retirement savings plan, backup childcare, tuition reimbursement, mental health support, financial coaching and more. Additional details about total compensation and benefits will be provided during the hiring process.

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.

Equal Opportunity Employer/Disability/Veterans