Senior Home Lending Advisor - Chester County Pennsylvania Branches

Location: West Chester, PA, United States

Job Family: Originations

About the Role

At JPMorgan Chase & Co., one of the world's leading financial services firms, we are seeking a Senior Home Lending Advisor to join our dynamic team in the Chester County, Pennsylvania branches, based in West Chester, PA. As a Senior Home Lending Advisor in our Originations category, you will guide clients through a seamless and personalized journey to homeownership, leveraging JPMorgan Chase's extensive resources and innovative lending solutions. Your role will focus on originating high-quality mortgage and home equity loans while delivering exceptional sales results that contribute to our market leadership in consumer banking. With a commitment to ethical practices and client-centric service, you will embody our core values of integrity, excellence, and community impact in the competitive financial services landscape. In this pivotal position, you will engage directly with prospective homebuyers, analyzing their financial profiles to recommend optimal products from our portfolio, including fixed-rate mortgages, adjustable-rate options, and jumbo loans tailored to the Pennsylvania market. You will cultivate lasting relationships through proactive outreach, in-branch consultations, and participation in local events in Chester County, ensuring every client receives first-class support from initial inquiry to loan closing. Compliance with federal regulations like the Dodd-Frank Act and state-specific guidelines will be integral, as you collaborate with internal partners such as underwriters and processors to expedite approvals and minimize delays. Your expertise will not only drive individual and team sales targets but also enhance our reputation as a trusted advisor in home lending. JPMorgan Chase offers unparalleled opportunities for growth in a supportive environment where your contributions are recognized and rewarded. As a Senior Home Lending Advisor, you will benefit from ongoing training on emerging fintech tools, market insights from our global research teams, and a collaborative culture that fosters innovation in financial services. If you are a results-driven professional passionate about empowering clients to achieve their homeownership dreams, join us to make a meaningful difference in the lives of families across Pennsylvania while advancing your career at a premier institution.

Key Responsibilities

• Prospect, qualify, and originate mortgage loans and home equity products for clients in Chester County branches
• Conduct comprehensive financial consultations to assess client needs and recommend tailored home lending solutions
• Build and maintain a robust pipeline of leads through networking, referrals, and community events in West Chester, PA
• Collaborate with branch teams and underwriters to ensure seamless loan processing and timely closings
• Deliver exceptional client service throughout the homeownership journey, from application to post-closing support
• Achieve or exceed monthly and quarterly sales goals while adhering to all compliance standards
• Educate clients on JP Morgan Chase's competitive mortgage products, rates, and financing options
• Monitor market trends and regulatory changes to provide informed advice and mitigate risks
• Participate in branch marketing initiatives to promote home lending services locally
• Mentor junior lending advisors and contribute to team sales strategies

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field, or equivalent work experience
• Minimum of 5 years of experience in mortgage lending, home equity products, or financial services sales
• Active Mortgage Loan Originator (MLO) license with NMLS registration, or ability to obtain within 120 days of hire
• Proven track record of achieving sales targets in a competitive lending environment
• Strong understanding of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Excellent credit history and ability to pass a comprehensive background check
• Availability to work in Chester County, Pennsylvania branches, including flexible hours as needed

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in a branch-based retail banking environment at a major financial institution
• Bilingual proficiency in English and Spanish to serve diverse client bases in Pennsylvania
• Demonstrated leadership in mentoring junior advisors or leading sales teams
• Familiarity with JP Morgan Chase's proprietary lending platforms and CRM systems

Required Skills

• Expertise in mortgage origination processes and underwriting guidelines
• Proficiency in financial analysis and credit assessment tools
• Strong sales acumen and relationship-building capabilities
• In-depth knowledge of lending regulations and compliance requirements
• Excellent communication and presentation skills for client consultations
• Analytical thinking to evaluate financial statements and risk factors
• Technical proficiency with CRM software, loan origination systems (e.g., Encompass), and Microsoft Office Suite
• Customer service orientation with empathy and problem-solving abilities
• Time management and organizational skills to handle multiple loan pipelines
• Adaptability to fast-paced branch environments and market fluctuations
• Negotiation skills for securing competitive loan terms
• Team collaboration and leadership to support branch goals
• Digital literacy in using mobile banking apps and virtual consultation tools
• Attention to detail in documentation and error prevention
• Resilience and motivation to drive sales in a target-oriented role

Benefits

• Competitive base salary plus uncapped commission structure based on sales performance
• Comprehensive health, dental, and vision insurance with multiple plan options
• 401(k) retirement savings plan with company matching contributions up to 6%
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development programs, including tuition reimbursement and leadership training
• Employee stock purchase plan and access to JP Morgan Chase's wellness initiatives
• Relocation assistance for eligible candidates and flexible work arrangements where applicable
• Exclusive perks such as mortgage rate discounts for employees and family members

JP Morgan Chase is an equal opportunity employer.