Senior Home Lending Advisor - South Richmond Hill, NY - Richmond Hill South Branch

Location: South Richmond Hill, NY, 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 South Richmond Hill, NY - Richmond Hill South Branch, you will play a pivotal role in the Originations category, guiding clients through a seamless and personalized journey to secure mortgage financing. Leveraging JP Morgan Chase's extensive resources and innovative lending solutions, you will originate high-quality loans while fostering long-term relationships in the diverse Richmond Hill community. This position offers the opportunity to drive strong sales results in a dynamic retail banking environment, contributing to our mission of delivering first-class financial services. Your primary focus will be on prospecting and engaging with potential homebuyers, conducting in-depth financial consultations, and recommending tailored mortgage products such as fixed-rate, adjustable-rate, FHA, VA, and jumbo loans. You will collaborate closely with branch colleagues to identify cross-selling opportunities for complementary JP Morgan Chase offerings, including deposit accounts and investment advice. Ensuring adherence to all federal and state regulations, including fair lending practices, you will manage the full loan origination cycle from application to closing, utilizing our state-of-the-art digital tools to enhance efficiency and client satisfaction. Success in this role requires a passion for client advocacy and a proven ability to exceed sales targets in a competitive market. You will thrive in a supportive team atmosphere at our Richmond Hill South Branch, where professional growth is encouraged through ongoing training and mentorship. Join JP Morgan Chase to make a meaningful impact on families in South Richmond Hill, NY, while advancing your career in the financial services industry.

Key Responsibilities

• Engage with prospective homebuyers in the South Richmond Hill branch and surrounding communities to assess their financing needs and guide them through the home lending process
• Originate and process mortgage applications, ensuring compliance with JP Morgan Chase's underwriting standards and regulatory requirements
• Build and maintain a robust pipeline of leads through networking, referrals, and community events in the Richmond Hill area
• Deliver exceptional customer service by providing personalized advice on mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with branch teams to cross-sell additional JP Morgan Chase products, such as checking accounts, credit cards, and wealth management services
• Achieve or exceed monthly sales targets for loan originations while maintaining high-quality standards
• Stay updated on market trends, interest rates, and lending policies to offer competitive solutions to clients
• Conduct financial consultations and pre-approvals to help clients navigate the path to homeownership
• Ensure all documentation is accurate and submitted timely to support seamless loan closings
• Mentor junior advisors and contribute to team training on best practices in home lending

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 financing, or related financial services roles
• Active Mortgage Loan Originator (MLO) license with NMLS registration, or ability to obtain within 90 days
• Proven track record of achieving sales targets in a competitive lending environment
• Strong understanding of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Excellent credit history and ability to pass background checks required for financial services positions
• Availability to work in the South Richmond Hill, NY location and surrounding areas

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in a branch-based retail banking environment at a major financial institution
• Bilingual proficiency in English and another language common in the Richmond Hill community, such as Hindi or Spanish
• Previous success in cross-selling financial products like credit cards or investment services
• Familiarity with JP Morgan Chase's proprietary lending platforms and CRM systems

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities to close deals
• Excellent communication and interpersonal skills for client interactions
• Knowledge of lending software such as Encompass or LoanNet
• Analytical skills for evaluating financial statements and risk
• Customer service orientation with empathy and patience
• Time management and organizational skills to handle multiple applications
• Regulatory compliance awareness in banking and lending
• Networking and relationship-building for lead generation
• Problem-solving to address client financing challenges
• Attention to detail in documentation and reporting
• Adaptability to changing market conditions and policies
• Team collaboration in a branch environment
• Digital literacy for CRM tools and online banking platforms

Benefits

• Competitive base salary plus uncapped commission structure based on loan volume and performance
• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with company matching up to 5% of eligible compensation
• Generous 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
• Health savings account (HSA) with company seed funding for eligible plans
• On-site fitness centers or gym reimbursements at select locations, plus wellness incentives

JP Morgan Chase is an equal opportunity employer.