Senior Home Lending Advisor - Midland TX

Location: Midland, TX, 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 in our Midland, TX branch, you will play a pivotal role in our Originations team, delivering exceptional service to clients in the dynamic West Texas market. This position involves taking clients on a first-class journey to home ownership, from initial consultations to closing, while driving strong sales results. You will leverage JP Morgan Chase's robust portfolio of mortgage products, including fixed-rate, adjustable-rate, and government-backed loans, to meet diverse client needs influenced by the local energy sector economy. Your day-to-day responsibilities will focus on building lasting client relationships through personalized advice and expert guidance. You will prospect for new business via community outreach, real estate partnerships, and digital leads, while ensuring all interactions adhere to strict compliance standards like those set by the Consumer Financial Protection Bureau (CFPB). Collaborating with our world-class support teams, you will navigate the complexities of loan processing, credit assessments, and market volatility to secure approvals efficiently. Success in this role requires a deep understanding of residential lending trends and the ability to exceed sales targets, contributing to JP Morgan Chase's reputation for innovation and client trust in the financial services industry. We value professionals who thrive in a high-energy environment and are passionate about empowering communities. In Midland, TX, you will have the opportunity to make a tangible impact in a growing region, supported by JP Morgan Chase's extensive resources and training programs. If you are a seasoned lending expert ready to advance your career with one of the world's most admired banks, join us to shape the future of home lending.

Key Responsibilities

• Prospect and develop new client relationships through networking, referrals, and community events in Midland, TX
• Guide clients through the home lending process, from initial consultation to loan closing, ensuring a seamless experience
• Analyze client financial profiles to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, including underwriters and processors, to expedite loan approvals
• Meet or exceed monthly sales goals while maintaining high-quality loan origination standards
• Stay updated on market trends, interest rates, and regulatory changes affecting home lending
• Provide expert advice on refinancing options and home equity products to existing clients
• Conduct educational seminars on homeownership to build community trust and generate leads
• Ensure all lending activities comply with JP Morgan Chase's ethical standards and federal regulations
• Track and report sales performance metrics to senior management for strategic planning

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 in Texas or ability to obtain one promptly
• Proven track record of achieving sales targets in financial services
• In-depth knowledge of federal and state lending regulations, including TRID and HMDA
• Strong understanding of credit analysis and risk assessment in residential mortgages
• Ability to work independently in a fast-paced, client-focused environment

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in English and Spanish, given the Midland, TX market demographics
• Prior leadership experience mentoring junior lending advisors
• Familiarity with oil and gas industry financing needs in West Texas

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial modeling and loan calculation software
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Analytical thinking for credit risk evaluation
• Knowledge of CRM systems like Salesforce
• Regulatory compliance awareness in banking
• Customer relationship management
• Time management and organizational skills
• Adaptability to market fluctuations
• Team collaboration in a corporate environment
• Digital literacy with online banking platforms
• Problem-solving in complex financial scenarios
• Empathy and client-centric approach
• Data-driven decision making

Benefits

• Competitive base salary plus uncapped commission structure tied to sales performance
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, such as tuition reimbursement and leadership training
• Employee stock purchase plan and financial wellness programs
• Access to JP Morgan Chase's global resources, including mentorship and career advancement paths
• Relocation assistance for eligible candidates moving to Midland, TX

JP Morgan Chase is an equal opportunity employer.