Community Home Lending Advisor- Bilingual (English/Spanish)- Chicago IL

Location: Chicago, IL, United States

Job Family: Originations

About the Role

At JP Morgan Chase, we are committed to fostering inclusive communities through accessible homeownership opportunities. As a Community Home Lending Advisor - Bilingual (English/Spanish) in Chicago, IL, you will play a pivotal role in our Originations team, guiding clients—particularly first-time buyers and those from underserved populations—on a seamless journey to owning their first home. Leveraging your bilingual skills, you will connect with diverse Chicago residents, providing expert advice on mortgage products tailored to their needs, while driving robust sales results that align with our mission to promote economic mobility. This position offers the chance to make a tangible impact in the local community while thriving in a dynamic, supportive environment at one of the world's leading financial institutions. Your day-to-day responsibilities will involve proactive outreach in Chicago's vibrant neighborhoods, building partnerships with real estate professionals and community organizations to source qualified leads. You will assess client financial profiles, recommend suitable loan options such as FHA, VA, or our specialized community lending programs, and ensure every interaction upholds JP Morgan Chase's high standards of integrity and compliance. By educating clients on credit building, affordability, and the homebuying process in both English and Spanish, you will empower them to achieve their dreams, all while meeting key performance metrics to contribute to our broader lending goals. Joining JP Morgan Chase means access to unparalleled resources for professional growth, including ongoing training in evolving lending regulations and market trends. We value innovation and collaboration, providing you with cutting-edge tools and a network of experts to support your success. If you are passionate about financial inclusion, possess a strong sales orientation, and are eager to contribute to Chicago's community development, this role offers a rewarding career path with opportunities for advancement in our Home Lending division.

Key Responsibilities

• Prospect and engage potential homebuyers in the Chicago community, focusing on first-time and underserved buyers
• Conduct needs assessments and provide personalized mortgage solutions, including down payment assistance programs
• Deliver exceptional customer service throughout the home lending process, from application to closing
• Build and maintain relationships with local real estate agents, community organizations, and non-profits
• Achieve individual and team sales goals while adhering to JP Morgan Chase's ethical lending standards
• Educate clients on loan options, credit requirements, and homeownership readiness in English and Spanish
• Collaborate with internal teams to ensure seamless processing and compliance with federal regulations
• Participate in community events and outreach programs to promote JP Morgan Chase's commitment to inclusive lending
• Monitor market trends and adjust strategies to support strong origination volumes
• Maintain accurate records and documentation in compliance with NMLS and internal policies

Required Qualifications

• Bachelor's degree or equivalent experience in finance, business, or related field
• Minimum of 2 years of experience in mortgage lending, sales, or financial services
• Active Mortgage Loan Originator (MLO) license in Illinois or ability to obtain within 120 days
• Bilingual proficiency in English and Spanish required
• Strong understanding of community lending programs and fair lending regulations
• Proven track record of meeting or exceeding sales targets in a competitive environment
• Knowledge of local Chicago real estate market and affordable housing initiatives

Preferred Qualifications

• Experience working with underserved communities or community development financial institutions
• Familiarity with FHA, VA, and conventional loan products offered by JP Morgan Chase
• Previous role in retail banking or home lending advisory at a major financial institution
• Certification in financial counseling or community reinvestment act (CRA) compliance
• Advanced proficiency in CRM systems and digital lending platforms

Required Skills

• Expertise in mortgage origination and underwriting processes
• Bilingual communication in English and Spanish, both verbal and written
• Sales acumen and relationship-building in a high-volume environment
• Proficiency in financial analysis and credit evaluation
• Knowledge of regulatory compliance, including HMDA and ECOA
• Customer-centric problem-solving and empathy for diverse client needs
• Digital literacy in loan origination software like Encompass or similar
• Networking and partnership development with community stakeholders
• Time management and organizational skills for multiple client pipelines
• Adaptability to market changes and client-specific scenarios
• Data-driven decision-making using CRM and analytics tools
• Cultural sensitivity and awareness of socioeconomic factors in Chicago
• Negotiation skills for closing deals and overcoming objections
• Team collaboration across lending and support functions
• Ethical judgment in promoting responsible lending practices

Benefits

• Competitive base salary plus uncapped commission structure for top performance
• Comprehensive health, dental, and vision insurance with multiple plan options
• 401(k) retirement savings plan with generous company matching contributions
• Paid time off, including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement for relevant certifications
• Employee stock purchase plan and access to financial wellness resources
• Wellness incentives, including gym memberships and mental health support
• Flexible work arrangements and hybrid options where applicable

JP Morgan Chase is an equal opportunity employer.