Senior Home Lending Advisor - Dayton OH

Location: Dayton, OH, 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 home ownership. As a Senior Home Lending Advisor in our Dayton, OH branch, you will play a pivotal role in our Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales performance. This position offers the opportunity to leverage your expertise in a dynamic environment where innovation meets tradition, delivering first-class service that aligns with our reputation for integrity and excellence in financial services. In this senior-level role, you will prospect and cultivate relationships with prospective homebuyers in the Dayton market, utilizing JP Morgan Chase's robust suite of mortgage products, including conventional, FHA, VA, and jumbo loans. You will conduct in-depth needs assessments, present tailored financing options, and manage the end-to-end loan origination process, ensuring compliance with all regulatory requirements such as those from the CFPB and OCC. Collaboration with internal stakeholders, including our advanced underwriting teams and external partners like realtors, will be key to providing seamless experiences that exceed client expectations and contribute to our market leadership. Success in this position requires a passion for client advocacy combined with a results-oriented mindset. You will track performance metrics using our state-of-the-art CRM systems, analyze local real estate trends to refine strategies, and participate in community outreach to build JP Morgan Chase's presence in Dayton. With opportunities for career growth within one of the world's most admired financial institutions, this role not only offers substantial earning potential through commissions but also the chance to make a meaningful impact on families' financial futures.

Key Responsibilities

• Prospect, develop, and maintain a robust pipeline of potential home lending clients through networking, referrals, and community events in Dayton, OH
• Conduct comprehensive consultations to assess client needs and recommend tailored mortgage solutions from JP Morgan Chase's portfolio
• Guide clients through the entire home lending process, from application to closing, ensuring a seamless and first-class experience
• Achieve and exceed individual and team sales targets for loan originations and volume
• Collaborate with internal partners, including underwriters, processors, and real estate agents, to facilitate efficient loan approvals
• Stay abreast of industry trends, regulatory changes, and JP Morgan Chase policies to provide accurate advice
• Build and nurture long-term client relationships to drive repeat business and referrals
• Utilize data analytics and CRM tools to track performance and optimize sales strategies
• Ensure all lending activities comply with federal, state, and JP Morgan Chase ethical standards
• Participate in local market initiatives to enhance JP Morgan Chase's brand presence in the Dayton community

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, home financing, or related financial services roles
• Active Mortgage Loan Originator (MLO) license with NMLS registration
• Proven track record of achieving sales targets in a competitive lending environment
• In-depth knowledge of mortgage products, regulations, and compliance standards such as TILA and RESPA
• Strong understanding of the local Dayton, OH real estate market and lending practices
• Ability to work independently and collaborate with cross-functional teams in a fast-paced setting

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with JP Morgan Chase's proprietary lending systems and tools
• Bilingual proficiency in English and Spanish to serve diverse client bases in Dayton
• Previous leadership experience mentoring junior lending advisors
• Familiarity with digital lending platforms and CRM software like Salesforce

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of federal lending regulations and compliance
• Customer relationship management (CRM) software proficiency
• Analytical skills for market trend evaluation
• Time management and organizational abilities
• Problem-solving and decision-making under pressure
• Digital literacy with lending platforms and Microsoft Office Suite
• Team collaboration and leadership qualities
• Adaptability to evolving financial industry standards
• Attention to detail in documentation and reporting
• Empathy and client-centric approach
• Networking and relationship-building expertise

Benefits

• Competitive base salary plus uncapped commission structure based on loan production
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and internal training programs
• Employee stock purchase plan and access to financial wellness resources
• Wellness programs with gym memberships, mental health support, and onsite fitness facilities
• Relocation assistance for eligible candidates moving to the Dayton area

JP Morgan Chase is an equal opportunity employer.