HL Underwriter IV-PHL

Location: Metro Manila, National Capital Region, Philippines

Job Family: Underwriting

About the Role

At JPMorgan Chase, we are a leading global financial services firm committed to helping clients achieve their dreams, including homeownership. As a Home Loan Underwriter IV in our Manila office, you will play a pivotal role in our Consumer & Community Banking division, making impactful lending decisions that support customers in the Philippines. This senior-level position involves evaluating complex mortgage applications, ensuring adherence to stringent risk and compliance standards, and leveraging your expertise to drive sustainable lending practices in a dynamic market. Your day-to-day responsibilities will include conducting thorough reviews of borrower profiles, financial histories, and property valuations to determine loan eligibility. You will collaborate with cross-functional teams to streamline processes, mitigate risks, and enhance the overall customer experience. By applying advanced underwriting techniques and staying abreast of evolving regulations from the Bangko Sentral ng Pilipinas (BSP) and international standards, you will contribute to JPMorgan Chase's reputation for responsible and innovative financial solutions. We value professionals who thrive in a fast-paced environment and are passionate about empowering communities through accessible home financing. This role offers opportunities for career growth within our global network, where your decisions directly impact lives and align with our core values of integrity, excellence, and client focus. Join us to make a difference in the financial services industry while advancing your expertise in mortgage underwriting.

Key Responsibilities

• Review and analyze complex mortgage applications to assess creditworthiness and risk
• Evaluate borrower financial documents, income verification, and property appraisals
• Make informed lending decisions in compliance with JPMorgan Chase policies and Philippine regulations
• Collaborate with loan officers, processors, and legal teams to ensure seamless application processing
• Identify and mitigate potential fraud or compliance risks in home loan submissions
• Provide guidance on loan structuring to support customer homeownership goals
• Monitor portfolio performance and contribute to process improvements in underwriting workflows
• Stay updated on industry changes and implement best practices in risk management
• Deliver exceptional customer service by communicating decisions clearly and empathetically
• Support team training and mentoring on underwriting standards and tools

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 5 years of experience in mortgage underwriting or related lending roles
• In-depth knowledge of Philippine mortgage lending regulations and compliance standards
• Proficiency in credit analysis, risk assessment, and financial statement review
• Strong understanding of home loan products and market trends in the financial services industry
• Ability to work independently and make high-stakes decisions under pressure
• Fluency in English and proficiency in Microsoft Office Suite

Preferred Qualifications

• Advanced certification such as Certified Mortgage Underwriter (CMU) or equivalent
• Experience in high-volume underwriting environments at a major financial institution
• Familiarity with automated underwriting systems and digital lending platforms
• Prior exposure to international banking standards, including those from JPMorgan Chase
• Knowledge of sustainable lending practices and ESG factors in home financing

Required Skills

• Credit analysis and risk assessment
• Financial modeling and forecasting
• Regulatory compliance knowledge
• Attention to detail
• Decision-making under pressure
• Communication and interpersonal skills
• Problem-solving and analytical thinking
• Proficiency in underwriting software (e.g., DU, LP)
• Time management and organizational skills
• Customer service orientation
• Team collaboration
• Adaptability to changing market conditions
• Data interpretation from financial reports
• Ethical judgment in lending decisions
• Technical proficiency in Excel and database tools

Benefits

• Competitive base salary with performance-based bonuses
• Comprehensive health, dental, and vision insurance coverage
• Retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick leave, and parental leave
• Professional development programs and tuition reimbursement for certifications
• Employee stock purchase plan and financial wellness resources
• Flexible work arrangements and wellness initiatives
• Access to global mobility opportunities within JPMorgan Chase

JP Morgan Chase is an equal opportunity employer.