Senior Home Lending Advisor - Sunnyvale, CA

Location: Sunnyvale, CA, United States

Job Family: Originations

About the Role

At JP Morgan Chase, we are a leading global financial services firm with a proud history of innovation and client focus. As a Senior Home Lending Advisor in our Sunnyvale, CA branch, you will play a pivotal role in helping clients achieve their dream of homeownership while driving robust sales performance. This position within our Originations category involves partnering with diverse clients in the dynamic Silicon Valley market to originate mortgages, refinances, and home equity products. You will leverage Chase's extensive resources, including advanced digital tools and a vast network of support, to deliver exceptional service and exceed lending targets. Our commitment to ethical lending practices ensures that every client journey is transparent, compliant, and personalized, aligning with our core values of integrity and excellence. In this senior-level role, you will take ownership of the full loan lifecycle, from initial consultation to successful closing, while building lasting relationships that foster referrals and loyalty. You will collaborate closely with cross-functional teams, including underwriters and sales partners, to navigate complex financial scenarios and provide expert guidance on JP Morgan Chase's competitive product offerings. Success in this position requires a deep understanding of the local real estate market in Sunnyvale and surrounding areas, as well as the ability to adapt to fluctuating interest rates and regulatory changes. By mentoring junior team members and participating in community initiatives, you will contribute to the broader success of Chase Home Lending, enhancing our reputation as a trusted advisor in the financial services industry. We offer a rewarding environment where your expertise can thrive, supported by comprehensive training and cutting-edge technology. Join JP Morgan Chase to make a meaningful impact on clients' lives while advancing your career in one of the most prestigious institutions in global finance. This role demands passion for client success, a results-oriented mindset, and a dedication to upholding the highest standards of compliance and customer satisfaction.

Key Responsibilities

• Prospect, develop, and maintain a pipeline of qualified leads for home lending products, including mortgages, refinances, and home equity loans
• Conduct comprehensive client consultations to assess financial needs and recommend tailored lending solutions from JP Morgan Chase's portfolio
• Guide clients through the entire loan origination process, from application to closing, ensuring a seamless and compliant experience
• Collaborate with internal partners such as underwriters, processors, and branch teams to expedite loan approvals and resolve issues
• Achieve or exceed individual and team sales goals while adhering to all regulatory and ethical standards
• Build and nurture long-term client relationships to generate referrals and repeat business within the Sunnyvale community
• Stay abreast of market trends, interest rates, and JP Morgan Chase product updates to provide expert advice
• Participate in local networking events and community outreach to enhance brand visibility for Chase Home Lending
• Document all client interactions and loan activities accurately in Chase's systems for audit and compliance purposes
• Mentor junior advisors and contribute to team training on best practices in home lending

Required Qualifications

• Bachelor's degree in Finance, Business, or a related field, or equivalent work experience
• Minimum of 5 years of experience in mortgage lending, home equity, or consumer lending within the financial services industry
• 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 TRID and HMDA compliance
• Excellent credit history and ability to pass a comprehensive background check
• Availability to work flexible hours, including evenings and weekends, to meet client needs

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based retail banking setting at a major financial institution
• Bilingual proficiency in English and Spanish, given the diverse client base in Sunnyvale, CA
• Familiarity with JP Morgan Chase's proprietary lending platforms and CRM systems

Required Skills

• Expertise in mortgage products, underwriting guidelines, and pricing models
• Proficiency in financial analysis, including credit assessment and debt-to-income ratio calculations
• Strong sales acumen with skills in lead generation and relationship selling
• Excellent communication and presentation skills for client consultations and negotiations
• Technical proficiency in loan origination software, CRM tools, and Microsoft Office Suite
• In-depth knowledge of lending regulations such as RESPA, ECOA, and Fair Lending laws
• Analytical thinking to evaluate market conditions and client financial profiles
• Customer service orientation with empathy and problem-solving abilities
• Time management and organizational skills to handle multiple loan files simultaneously
• Team collaboration and leadership to support branch and enterprise goals
• Adaptability to evolving financial products and digital lending technologies
• Attention to detail for accurate documentation and compliance adherence
• Networking and prospecting skills for community engagement
• Negotiation expertise in securing competitive loan terms
• Digital literacy in using mobile apps and online platforms for client interactions

Benefits

• Competitive base salary plus uncapped commission structure based on loan volume and performance
• Comprehensive health, dental, and vision insurance with multiple plan options
• 401(k) retirement savings plan with company match up to 5% of eligible compensation
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, including tuition reimbursement and access to Chase's leadership training programs
• Employee stock purchase plan and financial wellness resources tailored to banking professionals
• Wellness programs with gym memberships, mental health support, and onsite fitness facilities at select locations
• Relocation assistance for eligible candidates moving to the Sunnyvale area

JP Morgan Chase is an equal opportunity employer.