Senior Home Lending Advisor, Murietta, CA

Location: Murrieta, CA, 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 Murrieta, CA branch, you will play a pivotal role in our Originations team, guiding clients through personalized journeys to secure mortgages and home equity solutions. Leveraging JP Morgan Chase's extensive resources and innovative digital tools, you will deliver exceptional service while driving strong sales results in a dynamic retail banking environment. This position offers the opportunity to build lasting client relationships in the vibrant Temecula Valley community, contributing to our mission of powering economic opportunity for all. Your primary focus will be on originating high-quality loans by assessing client needs, recommending tailored products such as fixed-rate mortgages, adjustable-rate options, and jumbo financing, and ensuring compliance with federal regulations like the Truth in Lending Act. You will collaborate with branch colleagues to generate leads through referrals, community events, and cross-selling initiatives, while utilizing our state-of-the-art CRM systems to manage your pipeline efficiently. Success in this role requires a deep understanding of the local real estate market in Murrieta and surrounding areas, combined with the ability to navigate complex financial scenarios to close deals effectively. We value professionals who thrive in a fast-paced setting and are passionate about financial education. As a Senior Home Lending Advisor, you will also mentor emerging talent, share best practices, and contribute to team goals, fostering a culture of excellence at JP Morgan Chase. Join us to advance your career in a supportive environment that rewards performance and innovation, all while making a tangible impact on clients' lives in Southern California's thriving housing market.

Key Responsibilities

• Prospect and develop new client relationships through community networking, referrals, and branch partnerships in Murrieta, CA
• Guide clients through the 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
• Achieve and exceed monthly sales goals by leveraging JP Morgan Chase's market-leading products and resources
• Collaborate with internal teams, including underwriters and processors, to ensure timely loan approvals and funding
• Maintain compliance with all regulatory requirements and JP Morgan Chase's ethical lending standards
• Educate clients on home financing options, market trends, and financial planning to build long-term relationships
• Utilize digital tools and CRM systems to track leads, manage pipelines, and report sales performance
• Participate in local events and seminars to promote JP Morgan Chase's home lending services
• Mentor junior advisors and contribute to team sales strategies in the Murrieta branch

Required Qualifications

• Bachelor's degree in Finance, Business, or a related field, or equivalent work experience
• Minimum of 5 years of experience in mortgage lending, home equity, or consumer lending 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
• Strong understanding of federal and state lending regulations, including TRID and HMDA compliance
• Experience using CRM systems and mortgage origination software such as Encompass
• Ability to work independently in a branch-based setting with flexible hours

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Bilingual proficiency in Spanish or other local languages spoken in Murrieta, CA
• Experience in high-volume retail banking environments at a major financial institution
• Demonstrated leadership in mentoring junior lending advisors
• Familiarity with JP Morgan Chase's proprietary lending products and digital tools

Required Skills

• Expertise in mortgage products and lending regulations
• Strong sales and negotiation abilities
• Excellent client relationship management
• Proficiency in financial analysis and credit assessment
• Knowledge of CRM and loan origination software
• Effective communication, both verbal and written
• Analytical thinking for risk evaluation
• Time management and organizational skills
• Adaptability to market changes and client needs
• Team collaboration and leadership
• Digital literacy with online banking platforms
• Compliance and ethical decision-making
• Prospecting and lead generation techniques
• Customer service orientation
• Problem-solving in complex financial scenarios

Benefits

• Competitive base salary plus uncapped commission structure with potential for six-figure earnings
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company match up to 6%
• Paid time off including vacation, sick days, and 15+ paid holidays annually
• Professional development programs, including tuition reimbursement and access to JP Morgan Chase's learning academy
• Employee stock purchase plan and performance-based bonuses
• Wellness programs with gym memberships, mental health support, and financial wellness coaching
• Relocation assistance for eligible candidates and family-friendly benefits like parental leave

JP Morgan Chase is an equal opportunity employer.