Senior Home Lending Advisor - New York, NY - North Nassau County, NY Branches

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 in our North Nassau County, NY branches, you will play a pivotal role in our Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales results. This position offers the opportunity to leverage your expertise in a dynamic retail banking environment, where you'll collaborate with branch teams to originate high-quality loans that align with our rigorous standards and client-centric approach. Join us in delivering first-class service that builds lasting relationships and contributes to our market leadership in New York. In this senior role, you will engage directly with prospective homeowners, conducting in-depth consultations to understand their financial goals and recommend optimal products from our diverse portfolio, including fixed-rate, adjustable-rate, and government-backed mortgages. You'll manage the full loan lifecycle, from initial application and documentation to underwriting coordination and closing, ensuring every step complies with federal regulations like HMDA and ECOA. By fostering partnerships within JP Morgan Chase's extensive network, you'll access cutting-edge tools and resources to streamline processes and exceed performance metrics, all while providing educational insights on market conditions and financing options tailored to the unique needs of North Nassau County residents. We value professionals who thrive in a goal-oriented setting and are passionate about ethical lending practices. As a Senior Home Lending Advisor, you'll mentor emerging talent, contribute to branch growth strategies, and uphold our commitment to diversity and inclusion in serving multicultural communities. With opportunities for career advancement in one of the world's most respected financial institutions, this role not only offers rewarding compensation but also the chance to make a tangible impact on clients' lives. If you have a proven track record in mortgage sales and a dedication to excellence, apply today to elevate your career at JP Morgan Chase.

Key Responsibilities

• Prospect, source, and develop new mortgage lending clients through branch referrals, community events, and digital channels in North Nassau County
• Conduct comprehensive financial consultations to assess client needs and recommend tailored home financing solutions, including conventional, FHA, VA, and jumbo loans
• Guide clients through the entire loan origination process, from application to closing, ensuring compliance with JP Morgan Chase standards and regulatory requirements
• Build and maintain strong relationships with internal partners, such as branch bankers and underwriters, to facilitate seamless loan processing
• Analyze client financial profiles, including credit scores, income verification, and debt-to-income ratios, to determine loan eligibility and structure optimal terms
• Drive sales performance by meeting or exceeding monthly origination volume and revenue targets while upholding ethical lending practices
• Educate clients on mortgage products, market trends, and homeownership strategies to enhance their journey and loyalty to JP Morgan Chase
• Monitor loan pipelines, resolve issues promptly, and ensure timely closings to deliver exceptional client experiences
• Stay updated on industry changes, such as interest rate fluctuations and lending policies, to provide informed advice
• Collaborate with the team to support branch initiatives and contribute to overall North Nassau County market growth

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 lending environment
• In-depth knowledge of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Strong understanding of credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work in North Nassau County, NY branches and surrounding areas

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based retail banking setting at a major financial institution
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in English and Spanish to serve diverse client bases in New York
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage products and lending regulations
• Strong sales and negotiation abilities
• Proficiency in financial analysis and credit evaluation
• Excellent communication and interpersonal skills
• Customer relationship management (CRM) software proficiency, such as Salesforce
• Knowledge of loan origination systems (LOS) like Encompass or proprietary JP Morgan tools
• Analytical thinking for risk assessment
• Time management and organizational skills
• Adaptability to fast-paced, target-driven environments
• Ethical decision-making and compliance adherence
• Digital literacy in online banking and virtual consultation tools
• Team collaboration and leadership qualities
• Problem-solving in complex financial scenarios
• Attention to detail in documentation and reporting
• Cultural sensitivity for diverse client interactions

Benefits

• Competitive base salary plus uncapped commission structure based on loan originations
• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 5% of eligible pay
• Paid time off including vacation, sick days, and 16 weeks of paid 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
• Health savings account (HSA) with company seed funding for eligible participants
• Wellness programs including gym memberships, mental health support, and onsite fitness centers at select locations

JP Morgan Chase is an equal opportunity employer.