BERNARDO N.
Mid-Level Mortgage Underwriter
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About
Bernardo M. is an accomplished professional with a rich background in the mortgage and banking industry. His most recent role was as a Mortgage Underwriter at JP Morgan Chase Bank, where he successfully analyzed financial documents to make crucial credit decisions for purchase and refinance loans, ensuring compliance with Chase's credit guidelines. Prior to this, he worked at CrossCountry Mortgage as a Loan Officer/Loan Partner, a role that involved collecting and reviewing crucial documents like income and credit information. His extensive experience at JP Morgan also included roles such as a reviewer for the Post Decision Document Review team and as a Specialist I, where he was integral in document classification and management. With a foundation in Electrical Engineering Technology from Technological University of the Philippines, Bernardo demonstrates proficiency across multiple disciplines, including strong analytical and problem-solving skills, effective communication, and attention to detail in industries that demand accuracy and reliability.
Experience
Loan Officer/Loan Partner
CROSSCOUNTRY MORTGAGE · 2026 — 2026Collected income, assets, and credit documentation. Reviewed applications for accuracy and completeness, and communicated with borrowers to request any missing information. Coordinated efforts with processors, underwriters, and title companies.Mortgage Underwriter
JP MORGAN CHASE BANK · 2021 — 2025Analyzed financial documentation including income and credit reports to make credit decisions on Purchase and Refinance loans according to established policies. Coordinated with various parties such as Home Lending Advisors and Appraisal Analysts to streamline loan processing. Applied knowledge of mortgage servicing and Chase credit underwriting guidelines during loan reviews.Post Decision Document Review – PDDR (QC)
JP MORGAN CHASE BANK · 2019 — 2021Assisted Underwriters in ensuring Chase standards were met through the review of loan documents and conditions. Utilized procedures and checklists to evaluate data and identify any oversights, providing immediate feedback to Underwriters.Specialist I (Retail/CD and Mortgage Express)
JP MORGAN CHASE BANK · 2016 — 2019Identified and classified documents received via electronic fax for indexing in the MX Prokey system. Oversaw secondary reviews to ensure accurate indexing and compliance before documents were uploaded to the corporate image repository.Administrative Assistant
AMDATEX LAS PIÑAS SERVICES INC. · 2013 — 2015Coordinated scheduling, including appointments and meetings. Acted as the main point of contact for communication between departments and external clients. Prepared reports, memos, and various documents while maintaining accurate databases and records.Data Encoder/Proofreader
American Data Exchange Corporation · 2003 — 2012Input data into digital systems with accuracy and ensured completeness prior to entry. Reviewed documents for grammatical errors and overall consistency, maintaining style guides and proofreading standards.Imager/Editor
INNODATA PHILIPPINES INC. · 1998 — 2003Edited and enhanced images using photo editing software such as Adobe Photoshop. Prepared visual content for both digital and print applications, ensuring alignment with branding standards and reviewing images for quality.
Skills & Expertise
Education
- Electrical Engineering TechnologyTechnological University of the Philippines · 1995 — 1998
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