jeffrey U.
Senior Mortgage Underwriter
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Jeffrey D. is a seasoned Mortgage Underwriter based in Muntinlupa City, Philippines, with over seven years of specialized experience in the financial services industry. With a meticulous approach to credit risk assessment and income analysis, Jeffrey has consistently delivered accurate underwriting decisions, achieving quality scores above 98%. His expertise extends to ensuring compliance with investor and regulatory standards, including Fannie Mae, Freddie Mac, and FHA guidelines, thereby minimizing audit exceptions. Jeffrey's career includes significant roles at JPMorgan Chase, where he underwrote over 1,500 complex mortgage files annually, and Night Owl Consulting, where he optimized loan file preparation. His contributions at Hexaware Technologies and other institutions highlight his proficiency in collaborating with cross-functional teams and mitigating financial risks effectively. Jeffrey exhibits strong skills in regulatory compliance, fraud prevention, and efficient use of Loan Origination Systems, contributing to enhanced productivity and expedited processing timelines.
Experience
Loan Officer Assistant
Dodoche · 2025 — 2026Reviewed customer applications and entered data into the LOS. Requested title, appraisal, and insurance documents. Prepared a preview of the Loan Estimate, recommending suitable rates to the loan officer based on the selected lender. Monitored the pipeline for new applications and prepared to set up the loan file.Credit Analyst
Hexaware Technologies - Pepper Money · 2025 — 2025Conducted an initial review of the DSCR loan following Australian mortgage guidelines. Completed all required applicant information based on submitted documents.Loan Coordinator
Night Owl Consulting · 2025 — 2025Streamlined the preparation of loan files, ensuring full compliance with investor and agency guidelines. Conducted initial scrubs of files, resulting in a reduction of resubmissions through early error identification. Optimized the document management process in Encompass to reduce file upload delays.Underwriter III
JPMorgan Chase Bank, N.A. · 2017 — 2025Underwrote and reviewed over 1,500 complex mortgage files annually, encompassing both purchase and refinance transactions. Maintained productivity in the top quartile while ensuring an accuracy rate exceeding 98% on credit decisions. Analyzed borrower income, assets, credit, and collateral, identifying high-risk cases to mitigate potential delinquency. Ensured adherence to Fannie Mae, Freddie Mac, FHA, and Chase credit policies, reducing audit exceptions. Collaborated with processors and loan officers to address documentation deficiencies, minimizing rework time.Senior Specialist I
JPMorgan Chase Bank, N.A. · 2015 — 2017Oversaw fraud prevention measures, including OFAC screening and validation of income/tax transcripts, to ensure total compliance with internal risk policies. Assisted in the staging of pre- and post-underwriting for collateral review, contributing to a reduction in file review backlogs.Loan Administration Associate
JPMorgan Chase Bank, N.A. · 2010 — 2015Indexed and categorized over 10,000 loan documents with high accuracy, facilitating quicker turnaround for underwriting. Acted as the point of contact for the team, enhancing workflow communication and decreasing document errors.Data Encoder
Datascope Communication Phils Inc. · 2008 — 2010Processed and validated substantial volumes of client data, achieving a high level of accuracy to support operational efficiency.
Skills & Expertise
Education
- Bachelor of Science in Computer Science (Undergrad)STI College Alabang
- Associate in Computer TechnologySTI College Alabang