Senior Home Lending Advisor - Lakeland, FL - Lakeland South Branch

Location: Lakeland, FL, 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 Lakeland South Branch in Lakeland, FL, 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 the dynamic housing market, partnering with real estate professionals and internal teams to deliver first-class service. You will focus on originating high-quality loans that align with JP Morgan Chase's rigorous standards, contributing to our reputation as a trusted partner in residential financing. Your day-to-day responsibilities will include prospecting for new clients in the vibrant Lakeland community, conducting in-depth consultations to assess financial needs, and structuring tailored loan products such as fixed-rate mortgages, adjustable-rate options, or government-backed programs. You will navigate the complexities of the lending process, from application intake to closing, ensuring seamless coordination with underwriters, appraisers, and title companies. By staying abreast of industry trends, interest rate movements, and evolving regulations, you will provide strategic advice that empowers clients to make informed decisions, all while meeting ambitious sales targets that reward your success. We value innovation and client-centricity at JP Morgan Chase, and as a Senior Home Lending Advisor, you will mentor junior team members and foster a collaborative branch environment. This role demands a blend of technical proficiency in financial analysis and soft skills in relationship building, set against the backdrop of Florida's growing real estate market. Join us to advance your career in a supportive culture that prioritizes professional growth, work-life balance, and impactful contributions to our clients' financial journeys.

Key Responsibilities

• Prospect, qualify, and counsel clients on home financing options to guide them through the homeownership process
• Originate and process mortgage applications, ensuring compliance with JP Morgan Chase's underwriting standards
• Build and maintain a robust pipeline of potential borrowers through networking, referrals, and community events in Lakeland, FL
• Collaborate with branch teams, including bankers and wealth advisors, to identify cross-selling opportunities for JP Morgan Chase products
• Conduct financial analyses to recommend suitable loan products, such as conventional, FHA, VA, or jumbo mortgages
• Deliver exceptional client service, managing expectations and resolving issues to achieve high satisfaction ratings
• Stay updated on market trends, interest rates, and regulatory changes to provide informed advice
• Meet or exceed monthly sales goals for loan volume and revenue generation
• Participate in training and development programs to enhance lending expertise and JP Morgan Chase compliance knowledge
• Represent JP Morgan Chase at local real estate events and partnerships to expand market presence in the Lakeland South Branch

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 residential mortgage origination
• In-depth knowledge of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Strong understanding of credit analysis, underwriting processes, and loan structuring
• Ability to work independently in a branch environment while collaborating with cross-functional teams

Preferred Qualifications

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

Required Skills

• Expertise in mortgage origination and loan processing
• Proficiency in financial modeling and credit assessment
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of lending software like Encompass or LoanNet
• Analytical thinking for risk evaluation
• Customer relationship management (CRM) expertise
• Regulatory compliance awareness
• Time management and organizational skills
• Team collaboration and leadership
• Digital literacy in fintech tools
• Problem-solving in high-pressure environments
• Attention to detail in documentation
• Adaptability to market fluctuations
• Ethical decision-making in financial advising

Benefits

• Competitive base salary plus uncapped commission structure tied to loan production
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with company matching up to 6% of eligible compensation
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's internal training academy
• Employee stock purchase plan and access to financial wellness programs
• Relocation assistance for eligible candidates and flexible work arrangements
• Discounts on JP Morgan Chase financial products and services for employees

JP Morgan Chase is an equal opportunity employer.