Senior Home Lending Advisor - New York, NY - Water Street 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 Water Street Branch in New York, NY, you will play a pivotal role in our Originations team, guiding affluent clients through personalized mortgage solutions. This position offers the opportunity to leverage your expertise in a dynamic urban market, delivering exceptional service while driving robust sales performance. You will embody our client-first culture, utilizing cutting-edge tools and resources to create memorable journeys toward financial milestones. In this senior role, you will proactively source and nurture leads from diverse channels, including real estate partnerships and JP Morgan Chase's extensive referral network. Your days will involve conducting in-depth financial consultations, structuring competitive loan packages, and navigating the intricacies of New York's real estate landscape. Collaboration with internal teams ensures efficient processing, while your commitment to compliance upholds our reputation for integrity. Success here means not only meeting ambitious targets but also fostering long-term client loyalty in one of the world's most vibrant financial hubs. We value innovation and growth at JP Morgan Chase, providing you with ongoing training in emerging lending technologies and market insights. Join our Water Street Branch to contribute to a team that sets the standard in home lending, where your skills can make a tangible impact on clients' lives and our firm's continued leadership in the industry.

Key Responsibilities

• Prospect and develop new client relationships through networking, referrals, and community events in the New York area
• Guide clients through the home lending process, from initial consultation to loan closing, ensuring a seamless experience
• Analyze client financial profiles to recommend tailored mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with JP Morgan Chase underwriting and processing teams to expedite loan approvals
• Achieve and exceed monthly sales goals while maintaining high customer satisfaction ratings
• Stay updated on lending regulations and market conditions to provide accurate advice
• Build partnerships with local real estate professionals to generate leads for the Water Street Branch
• Utilize JP Morgan Chase's digital tools to streamline applications and track pipeline
• Mentor junior advisors and contribute to branch sales strategies
• Ensure all lending activities comply with federal and state regulations

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 home buying trends
• Ability to build and maintain relationships with real estate agents, builders, and referral sources

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in a high-volume branch like JP Morgan Chase's Water Street Branch
• Familiarity with digital lending platforms and CRM tools used at JP Morgan Chase
• Bilingual proficiency in English and Spanish to serve diverse New York clientele
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of lending software like Encompass or Loan Origination Systems
• Customer relationship management (CRM) expertise
• Regulatory compliance and risk management
• Analytical thinking for market trend evaluation
• Time management and organizational skills
• Team collaboration and leadership
• Digital literacy in online banking and mobile apps
• Problem-solving in complex financial scenarios
• Adaptability to fast-paced branch environments
• Empathy and client-focused service orientation
• Networking and business development acumen

Benefits

• Competitive base salary plus uncapped commission structure based on loan volume
• Comprehensive health, dental, and vision insurance plans
• 401(k) retirement savings plan with company matching contributions
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's training programs
• Employee stock purchase plan and financial wellness resources
• Access to on-site fitness centers and wellness programs at select branches
• Tuition reimbursement for relevant certifications and advanced education

JP Morgan Chase is an equal opportunity employer.