Operations Senior Specialist III

Job Description
Join a team that plays a vital role in helping customers achieve their homeownership dreams. As part of our Home Lending Consumer Originations Underwriting Support group, you'll make a direct impact by ensuring the integrity and quality of our lending processes. Collaborate with talented professionals and contribute to a seamless mortgage experience for our clients. Your expertise will help us deliver outstanding service and uphold our commitment to excellence. Be part of a dynamic environment where your skills and ideas are valued.
Job Summary
As an Operations Specialist III in Home Lending Consumer Originations Underwriting Support, you review and validate mortgage documents to help customers move forward in their home loan journey. You work with us to ensure compliance with credit policies and investor guidelines, supporting our mission to deliver high-quality lending solutions. You collaborate with internal partners to resolve issues and maintain accurate records. Your attention to detail and customer focus help us achieve productivity targets and maintain high levels of satisfaction.
Job Responsibilities

• Conduct comprehensive reviews of loan files for completeness and accuracy
• Perform specialized underwriting support, including credit analysis and document preparation
• Review and analyze purchase contracts for compliance and completeness
• Identify and flag critical contract elements that impact loan terms
• Execute data verification processes to resolve alerts and validate borrower information
• Maintain accurate participant data entry and system reporting
• Coordinate with Home Loan Advisors on incomplete applications and missing documentation
• Identify potential risks associated with mortgage applications and implement measures to mitigate those risks
• Communicate decisions and findings effectively to internal stakeholders
• Collaborate with Customer Care Specialists, Home Lending Advisors, Quality Assurance teams, Risk Partners, and Closers
• Uphold customer service excellence in every interaction

Required Qualifications, Capabilities, and Skills

• Bachelor's degree in finance, business administration, economics, or related field
• At least 1 year of experience in U.S. residential mortgage processing or underwriting
• Proficiency in specialized systems, tools, and spreadsheet calculators
• Strong analytical skills with attention to detail and accuracy
• Demonstrated decision-making skills in evaluating creditworthiness
• Exceptional written and verbal communication skills; CSA / Voice Certified
• Commitment to customer service excellence
• Ability to work night shifts (U.S. hours)
• Willingness to work hybrid and 5 days in office, depending on business needs
• Ability to adapt to changing market conditions and regulatory environments
• Experience maintaining accurate data entry and system reporting

Preferred Qualifications, Capabilities, and Skills

• Experience with different types of mortgage products
• Strong understanding of federal and state mortgage regulations
• Experience in home lending operations or evaluating creditworthiness
• Ability to analyze customer documentation, determine income and repayment ability, and assess hardship or potential fraud
• Experience collaborating with cross-functional teams
• Strong problem-solving skills to identify and resolve issues
• Experience in a high-volume, fast-paced environment

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.