Mortgage Underwriting Trainee: Build Core Credit Skills

Fairygodboss; Taguig; Hybrid; PHP 446,000 - 781,000; Full time

Job summary

JPMorganChase launches a structured six-month Underwriting Trainee program in Home Lending, focused on agency conforming and home equity underwriting. You’ll build a foundation in credit risk, income/asset analysis, and documentation quality under supervision.

Progression to a Credit Underwriter is contingent on program completion, learning, performance, and lending authority assessments. Hybrid/onsite options available based on business needs.

Qualifications

• Bachelor’s degree in Finance, Accounting, Economics, Business Admin, or related field.
• Willingness to complete the full six-month training program.
• Analytical aptitude with ability to interpret financial and credit information.
• Strong attention to detail with focus on documentation quality.
• Ability to learn complex policies and regulatory requirements.
• Strong written and verbal communication skills.
• Proficiency in Microsoft Office and eagerness to learn underwriting tools.
• Willingness to work night shifts aligned with U.S. business hours and hybrid/onsite work as needed.

Responsibilities

• Participate in all required training sessions and learning activities throughout the six-month program.
• Complete modules covering products, credit analysis, income calculation, asset review, credit reports, debt obligations, and collateral documentation.
• Perform knowledge checks, practical exercises, simulations, and underwriting test cases within established timelines.
• Review borrower and property documentation under supervision, including income, employment, assets, liabilities, credit, appraisal, title, and related information.
• Identify documentation gaps, inconsistencies, risk indicators, and required underwriting conditions with guidance.
• Apply underwriting guidelines and escalation procedures accurately under supervision.
• Use underwriting systems and tools, including automated decisioning systems (where applicable) and spreadsheet-based calculators.
• Participate in coaching sessions, calibration activities, and readiness reviews to support continuous improvement.
• Maintain attendance, professionalism, training engagement, and quality standards throughout the program.
• Protect customer information and follow applicable conduct, compliance, privacy, and fair lending requirements.
• Complete the applicable lending authority assessment required to be considered for progression to the Credit Underwriter role.

Skills

Analytical aptitude

Attention to detail

Written & verbal communication

MS Office proficiency

Learning new systems

Education

Bachelor’s degree in Finance, Accounting, Economics, or Business Admin

Tools

Underwriting systems

Spreadsheet calculators

Microsoft Excel

Job description

JPMorganChase launches a structured six-month Underwriting Trainee program in Home Lending, focused on agency conforming and home equity underwriting. You’ll build a foundation in credit risk, income/asset analysis, and documentation quality under supervision.

Progression to a Credit Underwriter is contingent on program completion, learning, performance, and lending authority assessments. Hybrid/onsite options available based on business needs.