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Senior Team Member - Mortgage Underwriting Analyst, Wealth Management

Req #: 180029233
Location: Taguig City, 00, PH
Job Category: Asset Management
Potential Referral Amount: Philippine Peso (PHP)

JPMorgan Chase & Co. (NYSE: JPM) is a leading global financial services firm with assets of $2.5 trillion and operations in more than 60 countries. The firm is a leader in investment banking, financial services for consumers, small business and commercial banking, financial transaction processing and asset management.
It began operations in the Philippines in 1961 with a representative office. Since then, the firm has expanded its presence into a fully integrated franchise, comprising Investment Banking, Treasury and Securities Services, Equity Sales and Research as well as foreign exchange and fixed income trading operations. JPMorgan Chase & Co. has a number of legal entities operating in the country, including the Manila Branch of the bank, which has a commercial banking license as well as a derivatives license, and a securities company with a seat on the Philippine Stock Exchange.
JPMorgan Chase & Co. launched its Global Service Center in Manila in 2005 and in Cebu in 2010, to provide a wide variety of strategic support including analytics, finance and accounting voice-based services, transaction processing and other functions to its affiliates around the world.
Information about JPMorgan Chase & Co. is available at


About J.P. Morgan Asset and Wealth Management

J.P. Morgan Asset and Wealth Management is a global leader in investment and wealth management. Its clients include institutions, high-net-worth individuals and retail investors in every major market throughout the world. The division offers investment management across all major asset classes including equities, fixed income, alternatives, multi-asset and money market funds. For individual investors, the business also provides retirement products and services, brokerage and banking services including trusts and estates, loans, mortgages and deposits.


Our Business

Wealth Management Mortgage Operations supports the J.P. Morgan Private Bank within J.P. Morgan’s Asset and Wealth Management line of business. The Private Bank is the world’s premier service provider for ultra and high net worth individuals.  Our goal is to help these affluent individuals across the globe optimize their wealth, after taxes and across generations.  Mortgage Operations provides end to end mortgage origination for Private Banking clients with unique needs.  Our loans are generally complex transactions due to the financial diversity and sophistication of the client base.  Our clients expect the highest levels of quality service throughout the process, resulting in an exceptional client experience. 


Position Description

The Mortgage Underwriting Analysts support the Wealth Management Mortgage Operations business.  The team is responsible for analyzing highly complex client financial documentation, data spreading, reading through financial documents, calculating ratios, etc and thus assisting the Underwriter, stateside, to take informed decision on a loan application in compliance with the internal Credit policy.


The Mortgage Underwriting Analyst is responsible for working through complex financial profiles, underwriting, and applying necessary conditions to ensure the borrower meets program specifications. The role requires a knowledge of residential mortgage underwriting. The Underwriting Analyst is responsible for the analysis of submitted files for repayment capacity, capital/assets, character, collateral and property condition, while adhering to credit underwriting guidelines.  The Underwriting Analyst supports and upholds fair lending practices of J.P. Morgan Chase, and are responsible for productivity targets ensuring the highest quality and level of client satisfaction.



·         Applies knowledge of mortgage process and J.P. Morgan credit underwriting guidelines

·         Displays client service excellence

·         Demonstrates proficiency in the review of loan underwriting documentation to ensure compliance with mortgage underwriting guidelines (e.g. loan documents, appraisals, etc)

·         Demonstrates proficiency in analyzing extremely complex financial information including calculation of income and debt ratios, verification of assets, collateral review and credit review

·         Resolves difficult and challenging problems by identifying potential or innovative solutions, determines documentation deficiencies within review and communicates findings with clarity

·         Keeps up to date on all credit policy changes that impact underwriting

·         Applies relevant technical and computer expertise

·         Adheres to all J.P. Morgan fair lending practices

·         Highly developed verbal and written communication skills as well as excellent teamwork with internal employees and external customers/business partners.

·         Achieves and exceeds work goals for productivity, quality and turnaround time

·         Prioritizes workflows


Technical Skills:

·         Attention to detail and accuracy with strong analytical and problem solving skills

·         Familiarity with tax returns, reports, and financial statements

·         Credit/Underwriting experience preferred

·         Demonstrated computer skills

·         Proficient in Microsoft Office applications (Word, Excel, and Outlook)


JPMorgan Chase is an Equal Opportunity and Affirmative Action Employer, M/F/Disability/Veteran


  • Excellent analytical and decision making skills
  • Minimum of 2 years’ experience within a financial institution with exposure to financial documents
  • Knowledge of complex personal and business financial analysis and an expertise in tax return, balance sheet analysis, including cash flow and self-employment income analysis
  • Knowledge in all levels of mortgage underwriting including jumbo mortgages preferred
  • Ability to work independently with little supervision
  • Bachelor degree in accounting or business related degree preferred
  • All hired applicants must achieve a passing score on both a written & multiple choice underwriting certification after completion of the formalized training

Core Competencies:

·         Ability to act independently and work in a fast paced, high production environment

·         Strong verbal and written communication skills to effectively communicate with various stakeholders

·         Maintain pre-defined quality accuracy on a consistent basis

·         Ability to formulate and articulate objective views based on professional analysis

·         Ability to follow complex methods and procedures in diverse routine and non-routine tasks

·         Must exhibit keen attention to detail and work with a sense of urgency

·         Ability to quickly comprehend information from oral and written documentation

·         Identify and escalate issues on assigned reviews and escalate exceptions, procedure gaps to management

·         Proficient in organizing, priority setting, and issues management

·         Suggest process enhancements, possible automations for better controls, perform periodic risk and controls analysis with the team for process risk valuation

·         Willing to work in NA / EMEA schedules

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JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.