Operations Senior Specialist III

Location: Metro Manila, National Capital Region, Philippines

Job Family: Home Lending Operations

About the Role

At JP Morgan Chase, we are a leading global financial services firm committed to helping clients achieve their financial goals through innovative home lending solutions. As an Operations Senior Specialist III in our Home Lending Operations team, you will play a critical role in supporting the mortgage process by meticulously reviewing and validating documents to ensure the highest standards of quality, regulatory compliance, and customer satisfaction. Based in Metro Manila, National Capital Region, Philippines, this position offers the opportunity to contribute to a dynamic team that powers secure and efficient home lending services for clients worldwide, leveraging JP Morgan's robust infrastructure and expertise in the financial industry. Your primary focus will be on examining mortgage applications, income verifications, credit reports, and title documents for accuracy and adherence to both local Philippine regulations and international standards such as those from the U.S. Consumer Financial Protection Bureau. You will identify discrepancies, mitigate risks, and collaborate with underwriters and legal teams to resolve issues promptly, all while upholding JP Morgan Chase's reputation for integrity and excellence. This role demands a keen eye for detail and a proactive approach to quality control, ensuring that every file processed supports seamless transactions and protects against compliance violations in the competitive financial services landscape. In addition to core validation tasks, you will participate in process optimization initiatives, mentor junior staff, and contribute to audit readiness by maintaining comprehensive records. This position is ideal for professionals passionate about the financial services sector, offering exposure to advanced technologies and global best practices at JP Morgan Chase. Join us to advance your career in home lending operations while making a tangible impact on customers' dreams of homeownership.

Key Responsibilities

• Review and validate mortgage application documents for accuracy, completeness, and compliance with JP Morgan Chase policies and regulatory requirements
• Conduct quality checks on home lending files to ensure adherence to federal and state lending laws, minimizing risk and errors
• Collaborate with cross-functional teams, including underwriters and customer service, to resolve document discrepancies and enhance customer satisfaction
• Identify and report potential compliance issues or fraud indicators in mortgage submissions
• Utilize proprietary JP Morgan systems to process and track document workflows efficiently
• Support audit processes by maintaining detailed records of reviews and validations
• Contribute to process improvements in home lending operations to streamline validation procedures
• Assist in training junior specialists on document review best practices and compliance standards
• Monitor key performance indicators (KPIs) for document quality and turnaround times
• Ensure all customer interactions align with JP Morgan's commitment to ethical and transparent lending practices

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• At least 3-5 years of experience in mortgage operations, document review, or financial services processing
• Strong knowledge of mortgage lending regulations and compliance standards such as TRID and RESPA
• Proficiency in using financial software and document management systems
• Excellent attention to detail and analytical skills for validating complex documents
• Ability to work in a fast-paced, high-volume environment with tight deadlines
• Fluency in English, both written and verbal

Preferred Qualifications

• Experience in home lending operations within a global financial institution like JP Morgan Chase
• Certification in mortgage compliance or financial operations (e.g., CMB or similar)
• Familiarity with Philippine banking regulations and international mortgage standards
• Previous exposure to quality assurance processes in financial document validation
• Advanced skills in data analysis tools for error detection in lending documents

Required Skills

• Mortgage document validation and quality assurance
• Regulatory compliance knowledge (e.g., TRID, RESPA, FCRA)
• Proficiency in financial software like Loan Origination Systems (LOS)
• Data analysis and error detection techniques
• Attention to detail and accuracy in high-volume processing
• Strong analytical and problem-solving abilities
• Effective communication, both written and verbal
• Time management and prioritization in deadline-driven environments
• Team collaboration and cross-functional coordination
• Knowledge of risk management in financial services
• Familiarity with document management systems (e.g., imaging and workflow tools)
• Customer service orientation for enhancing satisfaction
• Adaptability to evolving lending regulations and processes
• Basic proficiency in Microsoft Office Suite (Excel, Word)
• Ethical decision-making in compliance-sensitive roles

Benefits

• Competitive base salary and performance-based bonuses aligned with JP Morgan Chase's global compensation structure
• Comprehensive health, dental, and vision insurance coverage for employees and dependents
• Retirement savings plan with company matching contributions to support long-term financial security
• Paid time off, including vacation, sick leave, and parental leave policies
• Professional development opportunities through JP Morgan's internal training programs and tuition reimbursement
• Employee wellness programs, including gym memberships and mental health support
• Flexible work arrangements, such as hybrid options in Metro Manila locations
• Access to JP Morgan's global employee assistance program for financial and personal counseling

JP Morgan Chase is an equal opportunity employer.