HL Underwriter I

Job Description
Join a team where your expertise shapes the future of homeownership. As a Home Lending Underwriter, you play a vital role in ensuring the integrity and quality of our lending process. You'll analyze loan applications, apply sound judgment, and help customers secure their dream homes. Be part of a collaborative environment that values your skills and commitment to fair lending. Make a difference every day by delivering exceptional service and supporting our clients' financial goals.
As a Home Lending Underwriter I in the Consumer Originations Underwriting team, you are a key decision-maker who ensures loan applications meet program and regulatory requirements. You help us maintain high standards of quality and compliance while supporting customers in their journey to homeownership. You will analyze financial documents, assess risk, and communicate decisions to internal partners. Your work directly impacts our clients' experience and the success of our lending operations.
Job Responsibilities

• Review and analyze residential mortgage loan applications for accuracy and completeness
• Apply Chase credit policies and investor guidelines to underwriting decisions
• Assess borrower repayment capacity, assets, creditworthiness, and property condition
• Communicate underwriting decisions and conditions to internal partners
• Ensure compliance with fair lending practices and regulatory requirements
• Identify and mitigate potential risks associated with mortgage applications
• Maintain up-to-date knowledge of credit policy changes and industry standards
• Deliver exceptional customer service throughout the underwriting process
• Collaborate with Home Lending Advisors, Client Care Specialists, and other stakeholders
• Prioritize workflows to meet productivity, quality, and turnaround time goals
• Ensure all documentation is complete, accurate, and properly filed

Required Qualifications, Capabilities, and Skills

• Minimum 1 year of experience as an underwriter or in a similar role
• Bachelor's degree in finance, business administration, economics, or related field
• Proficiency in mortgage underwriting software and automated underwriting systems
• Strong analytical skills with attention to detail and accuracy
• Solid understanding of federal and state mortgage regulations
• Effective written and verbal communication skills
• Ability to work independently and manage multiple priorities
• Commitment to delivering excellent customer service
• Willingness to work night shifts (US hours)
• Ability to work hybrid and 5 days in office, as required by business needs
• Demonstrated problem-solving and adaptability skills

Preferred Qualifications, Capabilities, and Skills

• Experience with various mortgage products
• Comprehensive knowledge of FNMA/FHLMC guidelines
• Experience in reviewing complex financial statements and loan documentation
• CSA / Voice Certified
• Experience collaborating with internal and external partners
• Proficiency in spreadsheet calculators and specialized underwriting tools
• Experience in identifying and resolving documentation deficiencies

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.
About Us
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 our FAQs for more information about requesting an accommodation.
About the Team
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.