Senior Home Lending Advisor - New York, NY - Chinatown Branch

Location: New York, NY, 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 home ownership. As a Senior Home Lending Advisor at our Chinatown Branch in New York, NY, you will play a pivotal role in our Originations category, guiding clients through personalized mortgage solutions in one of the most dynamic real estate markets. Leveraging JP Morgan Chase's robust portfolio of lending products, you will deliver exceptional service to first-time buyers, refinancers, and investors, fostering trust and driving business growth in a culturally rich community. Your expertise will ensure every client receives a first-class journey, from initial consultation to closing, while contributing to our mission of inclusive financial empowerment. In this client-facing role, you will proactively source leads through branch partnerships, local networking, and targeted outreach in Chinatown and surrounding areas. You will assess client financial profiles to recommend optimal loan options, such as our competitive fixed-rate mortgages or specialized programs for diverse borrowers, all while navigating complex regulations like Dodd-Frank and HMDA. Collaboration with JP Morgan Chase's world-class underwriting and processing teams will be key to streamlining approvals and minimizing delays. Success in this position requires not only hitting ambitious origination targets but also embodying our core values of integrity, innovation, and client-centricity in every interaction. Joining JP Morgan Chase means becoming part of a supportive network that invests in your professional growth. We offer ongoing training on emerging lending technologies and market insights, enabling you to thrive in a fast-paced environment. With opportunities for advancement within our Home Lending division, this role is ideal for seasoned professionals passionate about real estate finance and community impact. If you are ready to make a meaningful difference in clients' lives while advancing your career at a premier institution, apply today to shape the future of home lending at JP Morgan Chase.

Key Responsibilities

• Prospect, develop, and maintain a pipeline of potential home lending clients through branch referrals, community outreach, and networking in the Chinatown area
• Conduct comprehensive needs assessments to recommend tailored mortgage products, including fixed-rate, adjustable-rate, and jumbo loans from JP Morgan Chase
• Guide clients through the entire home lending process, from pre-approval to closing, ensuring a seamless and compliant experience
• Collaborate with internal teams, including underwriters and processors, to expedite loan approvals and resolve any issues efficiently
• Achieve and exceed individual and branch sales goals for loan originations while adhering to all regulatory standards
• Build and nurture long-term client relationships to generate repeat business and referrals within the New York market
• Stay updated on market trends, interest rates, and JP Morgan Chase product offerings to provide expert advice
• Participate in community events and financial education seminars to promote home ownership in underserved areas
• Ensure all documentation is accurate and compliant with Truth in Lending Act (TILA) and other federal guidelines
• Mentor junior lending advisors to support team development and branch performance

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 banking environment
• In-depth knowledge of federal and state lending regulations, including FHA, VA, and conventional loan programs
• Strong understanding of credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work in a branch-based setting in New York, NY, with flexibility for client meetings

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in diverse communities, particularly in urban areas like Chinatown, New York
• Bilingual proficiency in English and Mandarin or Cantonese to serve the local clientele
• Previous experience with JP Morgan Chase or a major financial institution in retail banking
• Familiarity with digital lending platforms and CRM tools used in high-volume origination environments

Required Skills

• Expertise in mortgage origination and loan structuring
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of lending software such as Encompass or LoanDepot systems
• Regulatory compliance and risk management acumen
• Customer relationship management (CRM) tool proficiency
• Analytical thinking for market trend forecasting
• Cultural sensitivity and empathy for diverse client needs
• Time management and organizational skills
• Problem-solving in high-pressure environments
• Digital literacy for online application processing
• Team collaboration and leadership qualities
• Attention to detail in documentation
• Adaptability to evolving financial regulations

Benefits

• Competitive base salary plus uncapped commission structure based on loan volume and performance
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6% of eligible compensation
• Paid time off including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Wellness programs including gym memberships, mental health support, and onsite fitness classes
• Relocation assistance if applicable, plus commuter benefits for New York-based employees

JP Morgan Chase is an equal opportunity employer.