Underwriting Specialist

Job Information

• Job Identification
• Business Unit Consumer & Community Banking
• Posting Date 09/26/2025, 06:26 AM
• Locations 9th Avenue corner 38th Street, Uptown Bonifacio, Taguig City, National Cap Region, 1635, PH
• Job Schedule Full time
• Job Shift Night

Discover the expertise of our Underwriting Specialists at JPMorgan Chase, where commitment to fair lending practices meets exceptional customer satisfaction. Our dedicated team not only upholds the highest standards of fairness but also excels in achieving productivity targets, ensuring that every client experience is marked by quality and trust. Partner with us to experience a seamless blend of integrity and excellence in financial services.

As an Underwriting Specialist within the Mortgage Underwriting Team, you will have working knowledge of residential mortgage underwriting guidelines and be responsible for the analysis of ability to repay capacity, capital/assets, character, collateral and property condition, while adhering to Chase credit policies and agency guidelines..

Job Responsibilities:

• Apply knowledge of Mortgage Process and Agency/Chase Underwriting guidelines.
• Adhere to all Chase Fair Lending practices
• Review all loan underwriting documentation to ensure compliance with agency guidelines and Chase requirements
• Analyze financial information including calculation of income, debt ratios and verification of assets
• Identify documentation deficiencies within review and communicates findings with clarity
• Identify and addresses red flags found in the file documentation.
• Keep up to date on all credit policy changes that impact underwriting
• Display Best in Class Customer Service as measured by customer surveys and feedback.
• Achieve and exceeds work goalsfor productivity, quality and turnaround time
• Ensure loan decisions meet all program and product specifications

Required qualifications, capabilities, and skills:

• Strong analytical and critical thinking skills with attention to detail.
• Excellent written and verbal communication abilities.
• Ability to work with financial documents and numerical data.
• High level of integrity, professionalism, and a customer service mindset.
• Ability to adapt in a fast-paced environment and openness to changes, such as cross-functional training.

Preferred qualifications, capabilities, and skills:

• Good verbal and written communication skills as well as excellent teamwork with internal employees and external customers.
• Familiarity with basic financial or lending concepts; coursework, internships, or part-time experience is a plus.
• Good organizational skills and ability to manage multiple tasks.
• Eagerness to learn underwriting guidelines and mortgage industry standards.
• Ability to work independently and collaboratively in a team environment.
• Bachelor\'s degree in business, finance, economics, or accounting, or equivalent credit underwriting experience (this opening is open to fresh graduates).

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 ourFAQs for more information about requesting an accommodation.

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.