Senior Home Lending Advisor - Spring TX - Rayford

Location: Spring, TX, 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 Spring, TX - Rayford branch, you will play a pivotal role in our Originations team, guiding clients through personalized mortgage solutions while driving exceptional sales performance. This position offers the opportunity to leverage JP Morgan Chase's vast resources, innovative digital tools, and competitive product offerings to deliver first-class service in the dynamic Texas housing market. You will build lasting relationships with homebuyers, real estate professionals, and community partners, ensuring every client journey is smooth, compliant, and successful. Your primary focus will be on originating high-quality loans that align with JP Morgan Chase's standards for excellence and risk management. This includes conducting in-depth financial consultations, presenting tailored financing options such as fixed-rate mortgages, adjustable-rate products, and government-backed loans, and navigating the complexities of underwriting and closing processes. With a strong emphasis on regulatory compliance, including adherence to Dodd-Frank, RESPA, and fair lending practices, you will safeguard the integrity of each transaction while maximizing client satisfaction. As a senior advisor, you will also contribute to team development by sharing insights on market trends and best practices, fostering a collaborative environment in our Rayford location. Joining JP Morgan Chase means being part of a prestigious institution with a legacy of innovation in financial services. We value diversity, inclusion, and professional growth, providing robust training programs, cutting-edge technology like our Chase Mobile app for seamless client interactions, and a supportive culture that rewards high achievers. In this role, you will not only help families in Spring, TX realize their homeownership goals but also advance your career in a firm renowned for its stability and global impact. If you thrive in a fast-paced, client-centric setting and have a passion for mortgage lending, this is your chance to elevate your expertise at one of the world's most admired banks.

Key Responsibilities

• Prospect and cultivate relationships with potential homebuyers, real estate agents, and referral partners in the Spring, TX area
• Guide clients through the entire home lending process, from initial consultation to loan closing, ensuring a seamless experience
• Analyze client financial profiles to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans
• Meet or exceed monthly sales goals by leveraging JP Morgan Chase's competitive rates and financing options
• Collaborate with underwriters and processors to ensure timely and compliant loan approvals
• Educate clients on market trends, interest rates, and financing strategies to build trust and loyalty
• Maintain accurate records in compliance with regulatory standards and internal policies
• Participate in community events and networking to expand JP Morgan Chase's presence in Rayford and surrounding areas
• Mentor junior team members and contribute to branch sales strategies

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 with NMLS registration
• Proven track record of achieving sales targets in a competitive financial services environment
• In-depth knowledge of federal and state lending regulations, including TRID and HMDA
• Strong understanding of credit analysis, underwriting processes, and loan structuring
• Ability to work independently in a branch-based setting in Spring, TX

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience with JP Morgan Chase's proprietary lending systems and platforms
• Bilingual proficiency in English and Spanish to serve diverse client bases in Texas
• Prior leadership experience mentoring junior lending advisors
• Familiarity with digital mortgage tools and CRM software like Encompass

Required Skills

• Expertise in mortgage origination and loan processing
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Knowledge of lending regulations and compliance
• Customer relationship management (CRM) software proficiency
• Analytical thinking for risk evaluation
• Time management and organizational skills
• Adaptability to market fluctuations
• Team collaboration and leadership
• Digital literacy with online banking platforms
• Problem-solving in complex financial scenarios
• Attention to detail in documentation
• Empathy and client-focused approach
• Resilience in a target-driven sales environment

Benefits

• Competitive base salary plus uncapped commission structure for high earning potential
• Comprehensive health, dental, and vision insurance with employer contributions
• 401(k) retirement savings plan with generous company matching
• Paid time off, including vacation, sick days, and parental leave
• Professional development programs and tuition reimbursement for certifications
• Employee stock purchase plan and access to JP Morgan Chase's wellness initiatives
• Relocation assistance if applicable, plus commuter benefits for Spring, TX location
• Exclusive perks like mortgage rate discounts for employees and family members

JP Morgan Chase is an equal opportunity employer.