Senior Home Lending Advisor - Gaithersburg MD - Gaithersburg Square Branch

Location: Gaithersburg, MD, 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 at our Gaithersburg Square Branch in Gaithersburg, MD, you will play a pivotal role in our Originations category, guiding clients through a seamless journey to secure mortgage financing. Leveraging your expertise in the financial services industry, you will deliver personalized solutions using our innovative lending products, while driving strong sales results in a dynamic branch environment. This position offers the opportunity to make a tangible impact on clients' lives by providing first-class service and expert advice on home loans tailored to their unique needs. In this senior role, you will prospect and cultivate relationships with prospective homebuyers in the Gaithersburg community, conducting thorough financial assessments to recommend optimal mortgage options such as fixed-rate, adjustable-rate, or government-backed loans. You will collaborate closely with internal teams, including underwriters and processors, to expedite applications and ensure compliance with stringent regulations like Dodd-Frank and HMDA. By staying abreast of local market conditions and JP Morgan Chase's competitive offerings, you will position yourself as a trusted advisor, helping clients navigate challenges and achieve successful closings. Your ability to exceed sales targets will contribute directly to the branch's growth and our firm's reputation as a premier home lending provider. We value innovation and client-centricity at JP Morgan Chase, and as a Senior Home Lending Advisor, you will utilize cutting-edge digital tools and data analytics to streamline the lending process and enhance client experiences. This role demands a blend of technical proficiency in mortgage systems and soft skills in relationship-building, making it ideal for seasoned professionals passionate about financial services. Join our team to advance your career in a supportive culture that emphasizes professional development, work-life balance, and community engagement, all while contributing to JP Morgan Chase's mission of powering the progress of individuals and communities.

Key Responsibilities

• Prospect, engage, and build relationships with potential homebuyers to guide them through the mortgage origination process
• Assess client financial situations to recommend tailored mortgage products, including conventional, FHA, VA, and jumbo loans
• Deliver exceptional customer service by providing clear, compliant advice on home financing options and timelines
• Collaborate with underwriters, processors, and branch teams to ensure seamless loan applications and approvals
• Drive sales performance by meeting or exceeding monthly origination targets and contributing to branch goals
• Conduct market analysis and stay updated on lending trends to offer competitive solutions in the Gaithersburg market
• Ensure all lending activities comply with federal and state regulations, including fair lending practices
• Mentor junior team members and participate in community outreach to promote JP Morgan Chase's home lending services
• Utilize digital tools and CRM systems to track leads, manage pipelines, and report on sales metrics
• Represent JP Morgan Chase at local events and networking opportunities to expand client base

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 within the financial services industry
• 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 credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work independently in a branch setting while collaborating with cross-functional teams

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with digital lending platforms and CRM systems used in financial services
• Bilingual proficiency in English and Spanish to serve diverse client bases in the Gaithersburg area
• Previous leadership experience mentoring junior advisors in a banking environment
• Familiarity with JP Morgan Chase's proprietary lending technologies and processes

Required Skills

• Expertise in mortgage origination and loan processing
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of regulatory compliance in banking
• Customer relationship management (CRM) software proficiency
• Analytical thinking for market trend assessment
• Time management and organizational skills
• Problem-solving in complex lending scenarios
• Team collaboration and leadership
• Digital literacy with lending platforms like Encompass
• Attention to detail in documentation
• Adaptability to changing financial regulations
• Empathy and client-focused approach
• Presentation skills for client consultations

Benefits

• Competitive base salary plus uncapped commission structure based on loan originations
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6%
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's internal training programs
• Employee stock purchase plan and financial wellness resources
• Access to on-site fitness centers and wellness programs at select branches
• Tuition reimbursement for relevant certifications and advanced education in finance

JP Morgan Chase is an equal opportunity employer.