Senior Home Lending Advisor - New York, NY - City Hall 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 homeownership. As a Senior Home Lending Advisor at our City Hall Branch in New York, NY, you will play a pivotal role in our Originations team, guiding clients through personalized journeys to secure mortgages that fit their unique financial goals. Leveraging JP Morgan Chase's extensive resources and innovative lending solutions, you will deliver exceptional service while driving strong sales results in one of the most dynamic real estate markets in the world. This position offers the opportunity to make a tangible impact on clients' lives while advancing your career in a supportive, high-performance environment. Your primary focus will be on originating high-quality home loans by building relationships with prospective buyers, real estate agents, and community partners in the bustling City Hall area. You will conduct thorough financial assessments, recommend tailored mortgage options such as fixed-rate, adjustable-rate, or government-backed loans, and ensure seamless coordination from application to closing. Compliance with stringent regulations like the Truth in Lending Act (TILA) and Real Estate Settlement Procedures Act (RESPA) is essential, as is your ability to navigate New York's competitive lending landscape. By staying ahead of market trends and utilizing JP Morgan Chase's advanced digital tools, you will help clients overcome barriers to homeownership and foster long-term loyalty to our brand. Success in this role requires a blend of sales acumen, financial expertise, and client-centric dedication. You will collaborate with cross-functional teams to streamline processes, mentor junior advisors, and contribute to branch goals that align with JP Morgan Chase's mission of responsible banking. With opportunities for professional growth, competitive compensation, and a comprehensive benefits package, this position is ideal for seasoned professionals passionate about financial services and empowering the next generation of homeowners in New York.

Key Responsibilities

• Prospect and develop new client relationships through community outreach, referrals, and branch networking in the City Hall area
• 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, and jumbo loans
• Meet or exceed monthly sales goals by originating high-quality loans that align with JP Morgan Chase's risk and profitability standards
• Collaborate with internal teams, including underwriters and processors, to expedite loan approvals and resolve issues efficiently
• Stay current on lending regulations, market trends, and JP Morgan Chase product updates to provide expert advice
• Build and maintain a robust pipeline of potential borrowers using CRM tools and lead generation strategies
• Educate clients on homeownership benefits, affordability, and long-term financial planning within the context of JP Morgan Chase's offerings
• Participate in branch events and client seminars to promote home lending services in the vibrant New York market
• Ensure all lending activities comply with federal, state, and firm-wide policies to mitigate risk

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 in New York State
• 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 the New York real estate market and local lending practices
• Ability to work independently in a branch setting while collaborating with broader team objectives

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with JP Morgan Chase's home lending systems and processes
• Bilingual proficiency in English and Spanish to serve diverse New York clientele
• Previous leadership experience mentoring junior lending advisors
• Familiarity with digital lending tools and CRM software used in high-volume branches

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities
• Excellent verbal and written communication skills
• Customer relationship management using tools like Salesforce
• Knowledge of federal lending laws and compliance requirements
• Analytical skills for evaluating market data and client needs
• Time management and organizational abilities in a fast-paced environment
• Interpersonal skills for building trust with diverse clients
• Technical proficiency in Microsoft Office Suite and lending software
• Problem-solving and decision-making under pressure
• Adaptability to evolving financial products and regulations
• Team collaboration and leadership qualities
• Attention to detail in documentation and reporting
• Cultural sensitivity for serving New York's multicultural population

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 up to 6%
• 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 facilities
• Relocation assistance for eligible candidates and commuter benefits for New York-based roles

JP Morgan Chase is an equal opportunity employer.