Senior Home Lending Advisor - Northern Kentucky

Location: Florence, KY, 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 homeownership dreams with integrity and innovation. As a Senior Home Lending Advisor in our Northern Kentucky market, based in Florence, KY, you will play a pivotal role in our Originations team by guiding clients through personalized mortgage solutions. This position offers the opportunity to leverage your expertise in a dynamic environment where you can drive sales results while delivering exceptional service. You will focus on building lasting client relationships, navigating the complexities of home lending, and contributing to our mission of making banking more accessible and rewarding for communities in the region. In this senior-level role, you will prospect and engage with potential homebuyers, conducting thorough financial assessments to recommend tailored JP Morgan Chase products such as fixed-rate mortgages, adjustable-rate options, and specialized programs for first-time buyers. Your day-to-day responsibilities will include collaborating with cross-functional teams to ensure smooth loan processing, staying abreast of regulatory changes, and utilizing advanced digital tools to streamline the client journey. Success in this position requires a deep understanding of the local Northern Kentucky housing market, where you will identify opportunities to exceed sales targets and foster partnerships with real estate professionals and community organizations. We value professionals who thrive in a client-centric culture and are passionate about financial empowerment. Joining JP Morgan Chase means access to world-class resources, ongoing professional growth, and the chance to make a tangible impact on clients' lives. If you are a results-oriented advisor with a commitment to ethical lending practices, this role in our Florence branch offers a rewarding path to advance your career in one of the most trusted names in finance.

Key Responsibilities

• Prospect, qualify, and develop new mortgage lending clients in Northern Kentucky through community networking and referrals
• 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 JP Morgan Chase mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, such as underwriters and processors, to expedite loan approvals and resolve issues efficiently
• Achieve and exceed individual and team sales goals while maintaining high standards of compliance and risk management
• Build and maintain strong relationships with real estate agents, builders, and community partners to generate leads
• Utilize CRM systems and digital tools to track client interactions, pipeline management, and performance metrics
• Educate clients on current market trends, interest rates, and financing options to support informed decision-making
• Ensure all lending activities adhere to federal and state regulations, including Truth in Lending Act (TILA) and RESPA
• Participate in ongoing training to stay updated on JP Morgan Chase policies and industry best practices

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 origination
• Active Mortgage Loan Originator (MLO) license in Kentucky and compliance with NMLS requirements
• Proven track record of achieving sales targets in a competitive financial services environment
• In-depth knowledge of mortgage products, regulations, and lending practices
• Strong client relationship management experience in the banking sector
• Ability to work independently in a fast-paced, branch-based setting

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in affluent markets
• Familiarity with JP Morgan Chase's digital lending platforms and tools
• Bilingual proficiency in English and Spanish to serve diverse client bases
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage underwriting and credit analysis
• Proficiency in financial modeling and loan calculation software
• Strong sales and negotiation abilities
• Excellent verbal and written communication skills
• Client-focused relationship building
• Analytical thinking for assessing financial risks
• Knowledge of federal lending regulations (e.g., Dodd-Frank, HMDA)
• Digital literacy with CRM tools like Salesforce
• Time management and organizational skills
• Adaptability to market fluctuations in interest rates
• Empathy and active listening for client consultations
• Team collaboration in a matrixed organizational structure
• Problem-solving in complex loan scenarios
• Attention to detail in documentation and compliance
• Presentation skills for client seminars and workshops

Benefits

• Competitive base salary plus uncapped commission structure for top performance
• Comprehensive medical, dental, and vision insurance plans
• 401(k) retirement savings plan with generous company matching contributions
• Paid time off, including vacation, sick days, and parental leave
• Professional development opportunities through JP Morgan Chase's learning programs
• Employee stock purchase plan and financial wellness resources
• Access to on-site fitness centers and wellness programs at select locations
• Relocation assistance for eligible candidates moving to the Florence, KY area

JP Morgan Chase is an equal opportunity employer.