Senior Home Lending Advisor - Charleston WV

Location: Charleston, WV, United States

Job Family: Originations

About the Role

At JP Morgan Chase, we are a leading global financial services firm committed to helping clients achieve their dreams of homeownership. As a Senior Home Lending Advisor in our Charleston, WV branch, you will play a pivotal role in the Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales results. This position offers the opportunity to leverage your expertise in a dynamic environment where innovation meets tradition in the financial services industry. You will partner with diverse clients, from first-time buyers to seasoned investors, to navigate the complexities of residential lending in a supportive, high-performing team setting. Your day-to-day responsibilities will focus on originating high-quality mortgage loans that align with JP Morgan Chase's rigorous standards for compliance and customer satisfaction. From initial consultations and financial needs assessments to closing deals and fostering long-term relationships, you will embody our client-first philosophy. Success in this role requires not only deep knowledge of mortgage products like fixed-rate, adjustable-rate, and government-backed loans but also the ability to thrive in a competitive market. You will collaborate closely with branch colleagues, underwriters, and external partners to ensure seamless loan processing, all while contributing to the firm's reputation for integrity and excellence in West Virginia's housing market. Joining JP Morgan Chase means more than a job—it's a career path enriched with professional growth opportunities and a culture that values work-life balance. As a Senior Home Lending Advisor, you will benefit from our robust training programs, cutting-edge technology platforms, and a commitment to diversity and inclusion. If you are passionate about financial services, excel in sales, and are ready to make a meaningful impact in clients' lives, this role in Charleston, WV, is your chance to advance with one of the world's most admired banks.

Key Responsibilities

• Prospect, qualify, and originate residential mortgage loans for clients in the Charleston, WV market, guiding them through the homeownership process
• Build and maintain a robust pipeline of potential borrowers through networking, referrals, and community events
• Conduct comprehensive financial assessments to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, including underwriters and processors, to ensure timely and compliant loan approvals
• Deliver exceptional client service by addressing inquiries, explaining loan options, and managing expectations throughout the lending lifecycle
• Achieve or exceed monthly sales targets while adhering to JP Morgan Chase's risk management and compliance standards
• Stay updated on market trends, interest rates, and regulatory changes to provide informed advice to clients
• Participate in local marketing initiatives and represent JP Morgan Chase at industry events to enhance brand visibility
• Mentor junior team members and contribute to branch sales strategies as a senior advisor
• Maintain accurate documentation and ensure all loans meet quality control and audit requirements

Required Qualifications

• Bachelor's degree in Finance, Business, or a related field, or equivalent work experience
• Minimum of 5 years of experience in mortgage lending, sales, or financial services
• Active Mortgage Loan Originator (MLO) license with NMLS registration
• Proven track record of achieving sales targets in home lending or related financial products
• Strong understanding of federal and state lending regulations, including TRID and HMDA
• Excellent credit history and ability to pass background checks required for financial roles
• Proficiency in mortgage origination software and CRM systems

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in a high-volume branch environment at a major financial institution
• Bilingual proficiency in English and Spanish to serve diverse client bases
• Previous leadership experience mentoring junior lending advisors
• Familiarity with JP Morgan Chase's proprietary lending platforms and processes

Required Skills

• Expertise in mortgage products and lending processes
• Strong sales and negotiation abilities
• Proficiency in financial analysis and credit evaluation
• Knowledge of regulatory compliance in banking
• Excellent communication and interpersonal skills
• Customer relationship management (CRM) software proficiency
• Analytical thinking for assessing borrower risk
• Time management and organizational skills
• Adaptability to fast-paced financial environments
• Team collaboration and leadership qualities
• Attention to detail in documentation
• Digital literacy with tools like Encompass or similar loan origination systems
• Problem-solving in complex client scenarios
• Networking and prospecting expertise
• Ethical decision-making aligned with industry standards

Benefits

• Competitive base salary plus uncapped commission structure based on loan volume and performance
• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with company matching up to 5% of eligible compensation
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and access to JP Morgan Chase's learning academy
• Employee stock purchase plan and performance-based bonuses
• Wellness programs, including gym memberships and mental health support
• Relocation assistance for qualifying candidates moving to Charleston, WV

JP Morgan Chase is an equal opportunity employer.