Senior Home Lending Advisor, South Orange County, CA

Location: Mission Viejo, 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 home ownership. As a Senior Home Lending Advisor in our Mission Viejo branch serving South Orange County, CA, you will play a pivotal role in our Originations team by guiding affluent clients through personalized mortgage solutions. This position offers the opportunity to leverage your expertise in a dynamic market known for its coastal luxury properties and diverse buyer demographics, delivering first-class service that aligns with our firm's reputation for excellence and integrity. In this role, you will build and nurture client relationships, from initial consultations to successful closings, while driving robust sales results. You will assess financial needs, recommend optimal products from our comprehensive portfolio—including fixed-rate, adjustable-rate, and jumbo loans—and ensure compliance with all regulatory standards. Collaborating with cross-functional teams at JP Morgan Chase, you will streamline processes to provide efficient, transparent lending experiences that foster loyalty and referrals in the competitive South Orange County real estate landscape. We value professionals who thrive in a high-performance environment and are passionate about financial empowerment. As a Senior Home Lending Advisor, you will also contribute to community outreach, mentor emerging talent, and stay ahead of industry trends to position JP Morgan Chase as the trusted partner for home financing. Join us to advance your career in a supportive culture that rewards innovation and client-centricity.

Key Responsibilities

• Prospect and develop new client relationships through networking, referrals, and community events in South Orange County
• 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 internal teams, such as underwriters and processors, to expedite loan approvals
• Achieve and exceed sales goals by delivering exceptional service and building long-term client loyalty
• Stay updated on lending regulations, market trends, and JP Morgan Chase product offerings to provide expert advice
• Conduct educational seminars and workshops on home financing to generate leads and enhance community engagement
• Maintain accurate records in compliance with federal and state laws, including HMDA reporting
• Leverage digital tools and CRM systems to track leads and manage pipelines effectively
• Mentor junior advisors and contribute to team sales strategies in the Mission Viejo branch

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 California
• Proven track record of achieving sales targets in financial services
• In-depth knowledge of mortgage products, regulations, and compliance standards
• Strong understanding of the South Orange County real estate market
• Excellent credit history and ability to pass background checks

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB)
• Experience working with high-net-worth clients in luxury home markets
• Bilingual proficiency in Spanish, given the diverse clientele in South Orange County
• Previous experience at a major financial institution like JP Morgan Chase
• Familiarity with digital lending platforms and CRM tools

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 federal lending laws (e.g., TILA, RESPA, ECOA)
• Familiarity with loan origination software like Encompass or Blend
• Customer relationship management (CRM) expertise
• Analytical thinking for market trend evaluation
• Time management and organizational skills
• Adaptability to fast-paced, client-driven environments
• Problem-solving in complex financial scenarios
• Digital literacy for virtual consultations and e-signing
• Team collaboration and leadership qualities
• Attention to detail in documentation and compliance
• Empathy and consultative selling approach

Benefits

• Competitive base salary plus uncapped commission structure
• 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 holidays
• Professional development programs and tuition reimbursement for certifications
• Employee stock purchase plan and performance-based bonuses
• Access to JP Morgan Chase's wellness programs and employee assistance resources
• Relocation assistance if applicable for South Orange County positions

JP Morgan Chase is an equal opportunity employer.