Senior Home Lending Advisor - Encinitas, CA

Location: San Diego, CA, United States

Job Family: Originations

About the Role

At JPMorgan Chase, we are a leading global financial services firm with a proud history of helping clients achieve their dreams of homeownership. As a Senior Home Lending Advisor in our Encinitas, CA branch (serving the San Diego market), you will play a pivotal role in our Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales results. This position offers the opportunity to leverage Chase's vast resources, innovative digital platforms, and extensive product portfolio to deliver first-class service in a dynamic, client-focused environment. If you thrive on building lasting relationships and exceeding performance targets, join us in empowering families to secure their financial future. In this senior role, you will originate and manage a high-volume pipeline of residential loans, from initial consultation to successful closing, ensuring every step aligns with JPMorgan Chase's commitment to integrity and excellence. You will collaborate closely with internal partners, including underwriters and wealth advisors, to structure competitive loan options tailored to diverse client needs, such as first-time buyers, refinancers, or high-net-worth individuals. By staying ahead of industry trends and regulatory requirements, you will provide expert guidance that positions Chase as the trusted partner in the competitive home lending landscape of Southern California. We value professionals who bring passion for financial advising and a proven ability to generate results. As part of the JPMorgan Chase family, you will benefit from robust training, cutting-edge technology, and a supportive culture that fosters growth and recognition. This is more than a job—it's a chance to make a meaningful impact on clients' lives while advancing your career in one of the world's most respected financial institutions.

Key Responsibilities

• Prospect, qualify, and originate residential mortgage loans for prospective homebuyers in the Encinitas and greater San Diego area
• Conduct comprehensive client consultations to assess financial needs and recommend tailored Chase home lending solutions
• Build and maintain a robust pipeline of leads through networking, referrals, and community events
• Collaborate with underwriters, processors, and internal Chase partners to ensure seamless loan processing and closing
• Deliver exceptional customer service throughout the homeownership journey, from pre-approval to post-closing support
• Achieve or exceed monthly sales goals while adhering to all compliance and risk management standards
• Leverage Chase's digital tools and marketing resources to enhance client engagement and conversion rates
• Stay updated on market trends, interest rates, and regulatory changes to provide expert advice
• Mentor junior team members and contribute to branch-level sales strategies
• Document all client interactions and loan activities in compliance with JPMorgan Chase policies

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field
• Minimum of 5 years of experience in mortgage lending or home financing origination
• Active Mortgage Loan Originator (MLO) license with NMLS registration
• Proven track record of achieving sales targets in a competitive financial services environment
• In-depth knowledge of federal and state lending regulations, including TRID and HMDA
• Strong understanding of credit analysis, underwriting processes, and loan structuring
• Ability to work independently in a branch setting while collaborating with broader Chase teams

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with digital lending platforms and CRM systems like Salesforce
• Bilingual proficiency in English and Spanish to serve diverse client bases in California
• Prior leadership experience mentoring junior advisors or managing small teams
• Familiarity with Chase's proprietary home lending products and wealth management integrations

Required Skills

• Expertise in mortgage products including conventional, FHA, VA, and jumbo loans
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent communication and relationship-building skills
• Knowledge of lending software such as Encompass or Loan Origination Systems (LOS)
• Analytical thinking for assessing client financial profiles
• Time management and organizational skills for handling multiple loan files
• Compliance awareness with regulations like RESPA and ECOA
• Customer-centric approach with empathy and problem-solving
• Digital literacy in CRM tools and virtual meeting platforms
• Adaptability to fast-paced, target-driven environments
• Team collaboration and leadership potential
• Attention to detail in documentation and reporting
• Market research skills for identifying client opportunities
• Ethical decision-making in high-stakes financial advising

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 Chase's wealth management resources
• Wellness programs with gym memberships, mental health support, and financial wellness coaching
• Relocation assistance for eligible candidates and flexible hybrid work options where applicable

JP Morgan Chase is an equal opportunity employer.