Senior Home Lending Advisor - Toledo OH

Location: Toledo, OH, 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 Toledo, OH branch, you will play a pivotal role in helping clients achieve their dream of homeownership while driving robust sales results in the competitive mortgage origination space. This position within the Originations category offers the opportunity to leverage your expertise in consumer lending to deliver exceptional service, utilizing Chase's extensive resources and market-leading products to build lasting client relationships in the local community. In this senior-level role, you will lead the end-to-end home lending journey for a diverse clientele, from initial needs assessment to loan closing, ensuring compliance with all regulatory standards and internal policies. You will proactively source leads through networking, referrals, and partnerships with Chase branches, while mentoring junior team members to foster a high-performing environment. Your ability to navigate complex financial scenarios, recommend tailored solutions like fixed-rate mortgages or home equity lines, and maintain a pipeline of opportunities will directly contribute to our goal of expanding Chase's presence in the Toledo housing market. We value professionals who thrive in a dynamic, client-centric setting and are committed to ethical lending practices. Joining JP Morgan Chase means access to cutting-edge technology, ongoing training, and a supportive culture that rewards performance. If you are passionate about financial services and ready to make a meaningful impact, this role offers the platform to advance your career while empowering families in Toledo to secure their financial future.

Key Responsibilities

• Prospect and develop new client relationships through community events, referrals, and branch partnerships in the Toledo market to drive mortgage origination volume
• Guide clients through the home lending process, from initial consultation to closing, ensuring a seamless and personalized experience aligned with JP Morgan Chase standards
• Analyze client financial profiles to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans
• Collaborate with internal teams, such as underwriters and processors, to expedite loan approvals and resolve any issues efficiently
• Achieve and exceed individual and team sales targets for home lending products while maintaining high customer satisfaction scores
• Stay current on lending market trends, interest rates, and regulatory changes to provide expert advice to clients
• Conduct educational seminars and workshops on homeownership and financing options for potential clients in the Toledo community
• Ensure all lending activities comply with JP Morgan Chase's risk management policies and federal regulations
• Build and maintain a robust pipeline of leads using CRM tools to support consistent business growth
• Mentor junior advisors and contribute to team development initiatives within the Chase Home Lending division

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 120 days of hire
• 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 a comprehensive background check
• Proficiency in mortgage origination software and CRM systems used in financial institutions

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
• Familiarity with JP Morgan Chase's proprietary lending platforms and products
• Bilingual proficiency in Spanish or other local languages spoken in the Toledo area
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage products and lending processes
• Strong sales and negotiation abilities
• Proficiency in financial analysis and credit assessment
• Excellent communication and interpersonal skills
• Customer relationship management (CRM) software proficiency
• Knowledge of regulatory compliance in banking
• Analytical thinking for risk evaluation
• Time management and organizational skills
• Problem-solving in high-pressure environments
• Team collaboration and leadership
• Digital literacy with tools like Encompass or Loan Origination Systems
• Active listening and empathy for client needs
• Adaptability to market fluctuations
• Presentation skills for client seminars
• Ethical decision-making in financial advising

Benefits

• Competitive base salary plus uncapped commission structure based on loan origination performance
• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with up to 5% company match and immediate vesting
• Generous paid time off, including vacation, sick days, and parental leave
• Professional development opportunities, such as tuition reimbursement and access to Chase's leadership training programs
• Employee stock purchase plan and financial wellness resources tailored for financial services professionals
• Health savings account (HSA) with company seed funding for eligible plans
• Wellness programs including gym memberships, mental health support, and onsite fitness facilities at select locations

JP Morgan Chase is an equal opportunity employer.