Senior Home Lending Advisor - Des Moines IA

Location: Des Moines, IA, 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 Des Moines, IA branch, you will play a pivotal role in our Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales results. Leveraging JP Morgan Chase's vast resources and innovative lending products, you will provide expert advice on options like fixed-rate mortgages, adjustable-rate loans, and government-backed programs, ensuring every client receives a first-class journey tailored to their financial goals in the competitive Iowa housing market. Your day-to-day responsibilities will involve prospecting for new business through local networks, real estate partnerships, and community engagement in Des Moines, while managing a robust pipeline of loan applications from pre-qualification to closing. You will collaborate closely with JP Morgan's underwriting and processing teams to navigate complex financial scenarios, adhere to stringent regulatory standards such as those from the Consumer Financial Protection Bureau (CFPB), and deliver timely, compliant service. By building lasting relationships, you will not only meet ambitious sales targets but also contribute to JP Morgan Chase's reputation as a trusted partner in home lending, fostering loyalty that extends to our broader suite of banking and investment services. We seek seasoned professionals with a passion for financial advising and a deep understanding of the home lending landscape. In this role, you will thrive in a dynamic environment that rewards initiative and client-centric innovation, supported by JP Morgan Chase's world-class training and technology platforms. Join us to make a meaningful impact on families in Des Moines and advance your career in one of the most respected names in global finance.

Key Responsibilities

• Prospect, qualify, and develop new mortgage lending clients through referrals, networking, and community events in the Des Moines area
• Guide clients through the home lending process, from initial consultation to loan closing, ensuring a seamless and compliant experience
• Analyze client financial profiles to recommend appropriate JP Morgan Chase mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, such as underwriters and processors, to expedite loan approvals and resolve issues efficiently
• Meet or exceed monthly sales goals by building long-term relationships and leveraging JP Morgan's brand in the financial services market
• Stay current on lending regulations, market trends, and JP Morgan Chase policies to provide accurate advice and mitigate risks
• Conduct educational seminars or one-on-one sessions on home financing options to enhance client trust and drive business growth
• Maintain accurate records in JP Morgan's systems and ensure all documentation complies with federal guidelines
• Identify cross-selling opportunities for other JP Morgan Chase products, such as checking accounts or investment services
• Support branch initiatives by participating in local real estate partnerships and community outreach in Iowa

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, sales, or financial services origination
• Active Mortgage Loan Originator (MLO) license in good standing, with ability to obtain Iowa licensure if not already held
• Proven track record of achieving sales targets in home lending or consumer banking
• Strong understanding of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Excellent credit history and ability to pass background checks required for financial services roles
• Proficiency in mortgage origination software and CRM systems used in the banking industry

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based lending environment at a major bank
• Familiarity with JP Morgan Chase's proprietary lending platforms and products
• Bilingual skills, particularly in Spanish, to serve diverse client bases in Des Moines
• MBA or advanced degree in Finance

Required Skills

• Expertise in mortgage loan origination and underwriting processes
• Strong sales acumen and relationship-building in financial services
• Proficiency in financial analysis and credit assessment
• Knowledge of lending software like Encompass or Loan Origination Systems (LOS)
• Excellent communication and presentation skills for client consultations
• Regulatory compliance awareness in banking and mortgage sectors
• Analytical thinking for evaluating market conditions and client needs
• Time management and organizational skills to handle multiple loan pipelines
• Customer service orientation with empathy for first-time homebuyers
• Negotiation skills for securing favorable loan terms
• Technical proficiency in Microsoft Office Suite and CRM tools
• Adaptability to evolving financial regulations and products
• Team collaboration in a fast-paced banking environment
• Problem-solving abilities for resolving loan application challenges
• Digital literacy for virtual client interactions and e-signing processes

Benefits

• Competitive base salary plus uncapped commission structure tied to sales 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, including tuition reimbursement for relevant certifications
• Employee stock purchase plan and access to JP Morgan Chase's financial wellness resources
• On-site fitness centers or gym reimbursements at select locations
• Relocation assistance if applicable for Des Moines-based roles

JP Morgan Chase is an equal opportunity employer.