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 committed to helping clients achieve their dreams of homeownership through innovative and reliable lending solutions. As a Senior Home Lending Advisor in our San Diego, CA branch, you will play a pivotal role in the Originations team, guiding clients on a first-class journey to secure their ideal mortgage. Leveraging your expertise in the financial services industry, you will deliver exceptional sales results by building lasting relationships with diverse clients in the vibrant San Diego market, including first-time buyers, refinancers, and high-net-worth individuals. Your role will involve utilizing JP Morgan Chase's robust portfolio of home lending products to provide personalized advice, ensuring every step from consultation to closing is seamless and compliant with industry standards. In this position, you will thrive in a dynamic environment where collaboration with cross-functional teams is key to success. You will prospect for new business through networking with real estate professionals, community events, and digital channels, while maintaining a strong pipeline using advanced CRM systems. Your deep knowledge of mortgage regulations, credit underwriting, and market trends will enable you to structure competitive loan options, such as fixed-rate, adjustable-rate, and government-backed mortgages, tailored to each client's financial profile. At JP Morgan Chase, we value integrity and innovation, and as a Senior Advisor, you will also contribute to team development by mentoring associates and sharing best practices to elevate our branch's performance. Joining JP Morgan Chase means becoming part of a world-class institution that prioritizes employee growth and client satisfaction. This role offers the opportunity to make a tangible impact in the lives of San Diego residents while advancing your career in home lending. With competitive compensation, comprehensive benefits, and access to cutting-edge resources, you will be empowered to exceed sales targets and foster loyalty in one of the nation's most dynamic housing markets.

Key Responsibilities

• Prospect and cultivate relationships with potential homebuyers, real estate agents, and referral partners in the San Diego market to generate leads
• Conduct comprehensive financial consultations to assess client needs and recommend tailored mortgage products, including conventional, FHA, VA, and jumbo loans
• Guide clients through the entire home lending process, from pre-approval to closing, ensuring a seamless and first-class experience
• Analyze client financial profiles, including income, credit history, and assets, to structure optimal loan solutions while adhering to JP Morgan Chase's risk guidelines
• Collaborate with internal underwriting, processing, and closing teams to expedite applications and resolve any issues promptly
• Drive sales performance by meeting or exceeding monthly origination targets and contributing to branch goals
• Stay abreast of market trends, interest rate fluctuations, and regulatory changes to provide expert advice and maintain compliance
• Build and maintain a robust pipeline of clients using CRM tools and networking events in the local community
• Educate clients on JP Morgan Chase's suite of home lending products, emphasizing competitive rates and personalized service
• Mentor junior advisors and participate in team training to enhance overall branch capabilities

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 TRID and HMDA compliance
• Strong understanding of credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work independently in a fast-paced, client-focused setting

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based advisory role at a major bank
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in English and Spanish, given the diverse client base in San Diego
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage origination and loan structuring
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent verbal and written communication
• Client relationship management and consultative selling
• Knowledge of lending software such as Encompass or LoanNet
• Regulatory compliance and ethical decision-making
• Time management and organizational skills
• Analytical thinking for risk assessment
• Team collaboration and leadership
• Adaptability to market changes
• Attention to detail in documentation
• Empathy and customer service orientation
• Digital literacy for CRM and online banking tools
• Problem-solving in complex financial scenarios

Benefits

• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 5% of salary
• Annual performance-based bonuses and incentive compensation tied to sales achievements
• 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 roles and commuter benefits for San Diego-based employees

JP Morgan Chase is an equal opportunity employer.