Home Lending Underwriter III - Remote

About the position Responsibilities • Underwrite complex Non-Agency and Agency loans from Correspondent Lenders in accordance with guidelines. • Analyze ability to repay capacity, capital/assets, character, collateral, and property condition. • Apply knowledge of Mortgage Process, GSE Underwriting Guidelines, and Chase Credit Underwriting guidelines. • Adhere to all Chase Fair Lending practices. • Demonstrate proficiency in AUS and manual underwriting processes. • Review all loan underwriting documentation for compliance with state guidelines and Chase requirements. • Analyze financial information including calculation of income, debt ratios, and verification of assets. • Ensure loan decisions meet all program and product specifications. • Identify and address red flags found in the file documentation. • Communicate findings with clarity regarding documentation deficiencies. • Display Best in Class Customer Service as measured by customer surveys and feedback. • Effectively communicate using strong verbal and written communication skills. • Demonstrate teamwork with internal employees and external customers. • Function successfully in a fully virtual workspace. • Achieve and exceed work goals for productivity, quality, and turnaround time. • Pass all audits and exams. • Keep up to date on all credit policy changes that impact underwriting. Requirements • Minimum of 5 years experience as a residential mortgage underwriter. • Minimum of 3 years of Non-Agency underwriting experience. • Proficiency with complex personal and business financial analysis. • Strong financial analytics experience focusing on cash flow, balance sheets, and corporate tax returns. • Demonstrated expertise of GSE lending guidelines. • Prior experience in manual underwriting. • Proven analytical and decision-making skills. • High school diploma or equivalent; college degree preferred. Benefits • Health insurance • Retirement plan • Tuition reimbursement Apply tot his job Apply To this Job