Senior Home Lending Advisor, San Diego, CA

Location: San Diego, CA, United States

Job Family: Originations

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client-centric solutions. As a Senior Home Lending Advisor in our San Diego, CA location, you will play a pivotal role in the Originations category, guiding clients through their journey to homeownership while driving exceptional sales results. Leveraging JP Morgan Chase's vast resources and cutting-edge technology, you will provide personalized mortgage and home equity advice to a diverse clientele in one of California's most dynamic real estate markets. This position demands a seasoned professional who thrives in a high-volume, relationship-driven environment, ensuring every client receives the white-glove service that defines our brand. Your primary focus will be on originating loans that align with clients' financial goals, from first-time buyers to seasoned investors, utilizing our comprehensive suite of products including fixed-rate mortgages, adjustable-rate options, and specialized programs like FHA and VA loans. You will collaborate closely with cross-functional teams within JP Morgan Chase to streamline the lending process, mitigate risks, and comply with stringent regulations such as those from the CFPB and Fannie Mae. By analyzing market trends specific to San Diego's coastal and urban landscapes, you will position our offerings competitively, fostering trust and loyalty that contribute to our market leadership in home lending. Success in this role means not only meeting but surpassing sales quotas through proactive outreach, digital tools, and community engagement, all while upholding the integrity and ethical standards that JP Morgan Chase champions. We invest in your growth with ongoing training, mentorship, and access to proprietary platforms that enhance efficiency and client satisfaction. Join us to make a tangible impact on families' dreams of homeownership, backed by the stability and prestige of a Fortune 500 powerhouse.

Key Responsibilities

• Prospect, develop, and maintain a robust pipeline of mortgage and home equity clients through networking, referrals, and community events in San Diego
• Conduct comprehensive financial assessments to recommend tailored home lending solutions, including conventional, FHA, VA, and jumbo loans
• Guide clients through the entire loan origination process, from application to closing, ensuring a seamless and first-class experience
• Collaborate with internal partners such as underwriters, processors, and real estate agents to expedite loan approvals and resolve issues
• Achieve and exceed individual and team sales targets while adhering to all regulatory and compliance requirements
• Build and nurture long-term client relationships to drive repeat business and referrals within JP Morgan Chase's Home Lending division
• Stay abreast of market trends, interest rates, and lending policies to provide expert advice and competitive offerings
• Utilize CRM tools and data analytics to track performance, identify opportunities, and optimize sales strategies
• Participate in local marketing initiatives and educational seminars to promote JP Morgan Chase's home lending products
• Ensure all documentation is accurate, complete, and compliant with federal and state lending laws

Required Qualifications

• Bachelor's degree in Finance, Business Administration, or a related field, or equivalent work experience
• Minimum of 5 years of experience in mortgage lending, home equity, or consumer lending within the financial services industry
• Active Mortgage Loan Originator (MLO) license with NMLS registration, or ability to obtain within 90 days of hire
• 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, RESPA, and HMDA
• Strong understanding of the San Diego real estate market and local lending dynamics
• Ability to work independently and collaboratively in a fast-paced, client-focused setting

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with digital lending platforms and CRM tools in a large financial institution
• Bilingual proficiency in Spanish, given the diverse client base in San Diego
• Prior leadership experience mentoring junior lending advisors
• Familiarity with JP Morgan Chase's proprietary lending systems and processes

Required Skills

• Expertise in mortgage underwriting and loan structuring
• 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 digital lending platforms and fintech integrations
• Regulatory compliance and risk management
• Data-driven decision making with analytics tools
• Time management and organizational skills
• Empathy and active listening for client interactions
• Problem-solving in complex financial scenarios
• Networking and lead generation techniques
• Adaptability to changing market conditions
• Team collaboration and leadership
• Attention to detail in documentation and processes

Benefits

• Comprehensive medical, dental, and vision insurance plans with multiple coverage options
• 401(k) retirement savings plan with company matching contributions up to 6% of eligible pay
• Generous paid time off, including vacation, sick days, and paid parental leave
• Annual performance-based bonuses and commission structure tied to sales achievements
• Professional development opportunities, including tuition reimbursement and access to JP Morgan Chase's learning academy
• Employee stock purchase plan and other financial wellness programs
• Wellness incentives, including gym membership reimbursements and mental health support
• Flexible work arrangements and relocation assistance for qualifying roles

JP Morgan Chase is an equal opportunity employer.