Senior Home Lending Advisor, San Jose, CA

Location: San Jose, 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. As a Senior Home Lending Advisor in our San Jose, CA branch, 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 market, building lasting relationships with diverse clients in the Silicon Valley community. You will embody our core values of integrity, innovation, and client focus, ensuring every interaction reflects the high standards of JP Morgan Chase. In this senior role, you will originate residential mortgages by assessing client needs, recommending tailored products such as fixed-rate, adjustable-rate, or government-backed loans, and navigating the full lifecycle from application to closing. Your days will involve proactive outreach to generate leads, collaborating with branch colleagues to cross-sell financial services, and utilizing advanced tools like our proprietary loan origination system to streamline processes. Compliance with regulations like the Truth in Lending Act and fair lending practices is paramount, and you will mentor junior advisors to foster team excellence. Success here means not only meeting ambitious targets but also contributing to JP Morgan Chase's reputation as a trusted partner in home lending. We seek seasoned professionals passionate about financial services and empowered to make a difference. Join us in San Jose, where you'll thrive in a supportive environment with access to cutting-edge resources and ongoing training. At JP Morgan Chase, your career growth is as important as our clients' journeys—unlock your potential in a role that combines sales acumen with meaningful impact.

Key Responsibilities

• Prospect and develop new client relationships through community events, referrals, and branch partnerships in the San Jose area
• 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 mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, including underwriters and processors, to expedite loan approvals and resolve issues efficiently
• Meet or exceed monthly sales goals by originating high-quality loans that align with JP Morgan Chase's risk and compliance standards
• Educate clients on current market trends, interest rates, and financing options to build trust and drive business growth
• Maintain accurate documentation and ensure compliance with all regulatory requirements in mortgage origination
• Leverage digital tools and CRM systems to track leads, manage pipelines, and report on sales performance
• Participate in ongoing training to stay updated on lending products and industry best practices
• Contribute to team success by sharing insights and supporting branch initiatives in San Jose

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 residential mortgage origination
• In-depth knowledge of federal and state lending regulations, including TRID and HMDA
• Strong understanding of credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work independently in a fast-paced, client-focused environment

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based lending role at a major bank
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in Spanish or another language spoken in the San Jose community
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage products and lending regulations
• Strong sales and negotiation abilities
• Excellent client relationship management
• Proficiency in financial analysis and credit evaluation
• Knowledge of digital lending platforms and CRM software
• Effective communication, both verbal and written
• Problem-solving and decision-making under pressure
• Attention to detail in documentation and compliance
• Time management and organizational skills
• Team collaboration and leadership qualities
• Adaptability to market changes and client needs
• Customer service orientation with empathy
• Data-driven reporting and analytics
• Networking and prospecting techniques
• Ethical judgment in high-stakes financial advising

Benefits

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

JP Morgan Chase is an equal opportunity employer.