Senior Home Lending Advisor - Tampa Bay SE, FL - Temple Terrace Branch

Location: Temple Terrace, FL, 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 Temple Terrace Branch serving the Tampa Bay SE, FL area, you will play a pivotal role in our Originations team. This position offers the opportunity to deliver exceptional client experiences while driving robust sales results in a dynamic branch environment. You will leverage JP Morgan Chase's extensive resources, including innovative digital tools and a vast network of mortgage products, to guide clients through personalized financing solutions tailored to the local real estate market. Your primary focus will be on building lasting relationships with prospective homebuyers, real estate professionals, and community stakeholders in Temple Terrace and surrounding areas. By conducting in-depth financial assessments and presenting competitive loan options—such as fixed-rate mortgages, adjustable-rate products, and government-backed loans—you will ensure clients receive first-class service from initial consultation to closing. Compliance with federal regulations like the Truth in Lending Act and adherence to JP Morgan Chase's high ethical standards will be integral to your success, safeguarding both client interests and the firm's reputation in the financial services industry. In addition to origination responsibilities, you will contribute to branch performance by mentoring emerging advisors and participating in local outreach initiatives to expand our market presence. With access to JP Morgan Chase's cutting-edge technology platforms for streamlined processing and real-time market insights, you will thrive in a collaborative culture that values innovation and client-centricity. This role demands a results-oriented professional passionate about home lending, offering the chance to advance within one of the world's most respected financial institutions while making a tangible impact on the Tampa Bay community.

Key Responsibilities

• Prospect and cultivate relationships with potential homebuyers, real estate agents, and community partners in the Tampa Bay SE area to generate leads
• Conduct comprehensive consultations to assess client needs and recommend tailored mortgage products, including conventional, FHA, VA, and jumbo loans
• Guide clients through the entire home lending process, from application to closing, ensuring a seamless and compliant experience
• Analyze client financial profiles, including credit scores, income verification, and debt-to-income ratios, to determine loan eligibility
• Collaborate with JP Morgan Chase underwriters and processors to expedite approvals and resolve any issues promptly
• Drive sales performance by meeting or exceeding monthly origination targets and contributing to branch goals
• Stay abreast of market trends, interest rates, and regulatory changes to provide expert advice and competitive offerings
• Build and maintain a robust referral network within the Temple Terrace community to sustain a steady pipeline of business
• Ensure all lending activities adhere to JP Morgan Chase's ethical standards and compliance protocols
• Mentor junior team members and participate in branch training initiatives to elevate overall team performance

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 a competitive lending environment
• In-depth knowledge of federal and state lending regulations, including TRID and RESPA
• Strong understanding of credit analysis, underwriting processes, and risk assessment in home lending
• Ability to work independently in a branch setting while collaborating with cross-functional teams

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working in a high-volume branch environment at a major financial institution
• Bilingual proficiency in English and Spanish to serve diverse Tampa Bay clientele
• Previous leadership experience mentoring junior lending advisors
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools

Required Skills

• Expertise in mortgage origination and loan processing software
• Proficiency in financial modeling and credit risk assessment
• Strong sales acumen and negotiation skills
• Excellent communication and interpersonal abilities
• Analytical thinking for evaluating complex financial data
• Customer service orientation with empathy for client needs
• Regulatory compliance knowledge in banking and lending
• Time management and organizational skills for handling multiple deals
• Relationship-building and networking capabilities
• Technical proficiency in Microsoft Office Suite and CRM tools
• Adaptability to dynamic market conditions
• Attention to detail in documentation and reporting
• Leadership and team collaboration skills
• Problem-solving in high-pressure scenarios
• Digital literacy for virtual client interactions and e-signing platforms

Benefits

• Competitive base salary plus uncapped commission structure based on loan originations
• Comprehensive health, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 6%
• Paid time off including vacation, sick days, and federal holidays
• Professional development opportunities through JP Morgan Chase's internal training programs and tuition reimbursement
• Employee stock purchase plan and access to financial wellness resources
• Flexible work arrangements and support for work-life balance
• Exclusive perks such as mortgage rate discounts for employees and family members

JP Morgan Chase is an equal opportunity employer.