Senior Home Lending Advisor - Lexington KY

Location: Lexington, KY, 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 homeownership dreams through innovative lending solutions. As a Senior Home Lending Advisor in our Lexington, KY branch, you will play a pivotal role in our Originations team, guiding clients on a first-class journey to home ownership while delivering exceptional sales results. This position offers the opportunity to leverage your expertise in mortgage lending within a supportive, high-performing environment, where you'll have access to cutting-edge tools and resources to serve the unique needs of the Lexington community. Your role will involve building lasting relationships with first-time buyers, seasoned homeowners, and real estate professionals, all while upholding JP Morgan Chase's standards of integrity and client-centric service. In this senior-level position, you will take ownership of the end-to-end home lending process, from lead generation and needs assessment to loan closing and post-origination support. You'll recommend tailored mortgage products—such as fixed-rate, adjustable-rate, or government-backed loans—based on in-depth financial analysis, ensuring clients receive competitive rates and personalized advice. Collaborating closely with JP Morgan Chase's national network of underwriters and processors, you'll navigate regulatory requirements and market dynamics to secure approvals efficiently. Additionally, you'll contribute to business growth by networking locally, hosting educational events, and mentoring junior team members, all while driving toward ambitious origination targets that directly impact your earnings. We value professionals who thrive in a dynamic financial services landscape and are passionate about empowering clients in the Lexington housing market. Joining JP Morgan Chase means becoming part of a firm renowned for its stability, innovation, and commitment to diversity and inclusion. With opportunities for career advancement, robust training programs, and a culture that rewards high performance, this role is ideal for a seasoned advisor ready to make a meaningful impact. If you have a proven track record in home lending and a dedication to excellence, we invite you to bring your skills to our team and help shape the future of home financing at JP Morgan Chase.

Key Responsibilities

• Prospect, qualify, and develop relationships with potential homebuyers, real estate agents, and referral partners in the Lexington area
• Guide clients through the entire home lending process, from initial consultation to loan closing, ensuring a seamless and personalized experience
• Analyze client financial profiles to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with underwriters, processors, and internal teams at JP Morgan Chase to expedite loan approvals and resolve issues
• Drive sales performance by meeting or exceeding monthly origination targets and contributing to branch goals
• Stay current on market trends, interest rates, and regulatory changes to provide expert advice
• Conduct educational seminars or workshops on home financing to build community presence and generate leads
• Ensure all lending activities comply with federal and state regulations, maintaining high ethical standards
• Utilize JP Morgan Chase's digital tools to streamline applications and enhance client communication
• Mentor junior advisors and support team development to foster a high-performing lending environment

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, home financing, or related financial services roles
• Active Mortgage Loan Originator (MLO) license in Kentucky, 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 fast-paced, client-focused setting

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with digital lending platforms and CRM systems in a large financial institution
• Previous leadership or mentoring experience in a branch or team setting
• Bilingual proficiency, particularly in Spanish, to serve diverse client bases in Lexington
• Familiarity with JP Morgan Chase's proprietary lending technologies and processes

Required Skills

• Expertise in mortgage origination and loan structuring
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent verbal and written communication
• Customer relationship management using CRM tools like Salesforce
• Knowledge of federal lending regulations and compliance
• Digital literacy with online banking and lending platforms
• Analytical thinking for risk assessment
• Time management and organizational skills
• Empathy and active listening for client interactions
• Team collaboration and leadership
• Adaptability to market fluctuations
• Problem-solving in complex financial scenarios
• Presentation skills for client workshops
• Attention to detail in documentation and reporting

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 company matching up to 5% of eligible compensation
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, such as tuition reimbursement and access to JP Morgan Chase's learning academy
• Employee stock purchase plan and performance-based bonuses
• Wellness programs including gym memberships, mental health support, and financial wellness coaching
• Relocation assistance for eligible candidates moving to the Lexington area

JP Morgan Chase is an equal opportunity employer.