Underwriting - Operations Analyst

Role Overview: As a Private Bank Mortgage Underwriting QC Analyst at JPMorgan Chase, you will be a crucial part of the Private Banking Mortgage team. Your role involves analyzing mortgage applications to determine credit risk and ensure adherence to internal credit policies. Collaborating with global stakeholders and internal teams, you will drive the mortgage origination process from start to finish. Key Responsibilities: - Review and enter loan information following current underwriting guidelines into the loan system. - Conduct credit analysis by evaluating consumer credit reports, credit scores, delinquencies, and public records. - Perform balance sheet and financial analysis to assess liquid and non-liquid assets and liabilities. - Review underwriting conditions based on the loan application and ensure timely clearance. - Analyze collateral documents for compliance with company policies and regulatory requirements. - Identify credit risks, collateral variances, and deviations from standard underwriting guidelines. - Adhere to the 30-day timeline for all credit decisions from a Regulation B (ECOA) standpoint. - Communicate findings and recommendations clearly to relevant parties. - Maintain accurate records and documentation for all underwriting decisions. Qualification Required: - Hold a Bachelor's degree in Commerce, Business, Finance, Accounting, or a related field. - Minimum of 4 years of Mortgage Underwriting experience in US mortgage loan originations. - Strong knowledge of Accounting, Banking & Finance, Mathematics, and proficiency in tools like MS Excel and MS Teams. - Experience in reviewing and analyzing US financial documents such as Bank/Asset statements, Balance Sheet/Personal Financial statements, Profit & Loss statements, Personal Tax Returns, Appraisal, Purchase Contract, and Credit reports. - Understanding of all stages of the mortgage origination life cycle. - Effective communication skills with a strong command of English, both written and verbal. - Flexibility to work in shifts as per business requirements. (Note: Preferred qualifications, capabilities, and skills section is omitted as per the instructions provided),