Senior Home Lending Advisor, Upland and Rancho Cucamonga, CA

Location: Claremont, CA, 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 Upland and Rancho Cucamonga, CA (with a base in Claremont, CA), 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 market-leading products to deliver first-class service in the competitive Southern California housing market. You will focus on building lasting relationships with diverse clients, from first-time buyers to seasoned investors, ensuring every step of their journey is seamless and informed. Your primary responsibilities include prospecting for new business through local networks, analyzing client needs to recommend tailored loan options like our competitive fixed-rate mortgages or flexible ARM products, and collaborating with our expert underwriting teams to secure approvals efficiently. Compliance is at the heart of everything we do at JP Morgan Chase, so you will ensure all interactions adhere to federal regulations such as the Dodd-Frank Act and California-specific lending laws. By staying ahead of market dynamics, including interest rate fluctuations and housing trends in the Inland Empire region, you will position yourself—and JP Morgan Chase—as the trusted advisor for home financing. We value professionals who thrive in a dynamic environment and are passionate about financial empowerment. Joining our team means access to robust training, cutting-edge technology like our Chase Home Lending app, and a supportive culture that rewards high achievers. If you have a proven sales track record and a commitment to ethical lending practices, this role at JP Morgan Chase offers not just a job, but a career path filled with growth opportunities in one of the world's most respected financial institutions.

Key Responsibilities

• Prospect, qualify, and develop new mortgage lending clients through community outreach, referrals, and partnerships in Upland and Rancho Cucamonga
• Guide clients through the home financing process, from initial consultation to loan closing, ensuring a seamless and personalized experience
• Analyze client financial profiles to recommend suitable mortgage products, including conventional, FHA, VA, and jumbo loans offered by JP Morgan Chase
• Collaborate with internal teams, including underwriters and processors, to expedite loan approvals and resolve issues efficiently
• Meet or exceed monthly sales goals by leveraging JP Morgan Chase's digital tools and market insights
• Educate clients on current market trends, interest rates, and financing options to build trust and drive business growth
• Maintain compliance with all regulatory requirements, including fair lending practices and documentation standards
• Build and nurture long-term relationships with real estate agents, builders, and community organizations to generate leads
• Utilize data analytics to identify opportunities for cross-selling other JP Morgan Chase financial products, such as banking or investment services
• Participate in training and professional development to stay abreast of industry changes and JP Morgan Chase policies

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 sales
• Active Mortgage Loan Originator (MLO) license in California, with ability to obtain NMLS registration
• 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 roles
• Valid driver's license and reliable transportation for client meetings in Upland and Rancho Cucamonga areas

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or in a branch-based lending model
• Bilingual proficiency in Spanish, given the diverse client base in Southern California
• Familiarity with JP Morgan Chase's proprietary lending platforms and CRM systems
• MBA or advanced degree in Finance

Required Skills

• Expertise in mortgage origination and underwriting processes
• Proficiency in financial analysis and credit assessment
• Strong sales and negotiation abilities
• Excellent verbal and written communication skills
• Customer relationship management (CRM) software proficiency, such as Salesforce
• Knowledge of digital lending platforms and fintech tools
• Analytical skills for market trend evaluation
• Regulatory compliance and risk management expertise
• Time management and organizational abilities
• Interpersonal skills for building client trust
• Problem-solving in high-pressure environments
• Adaptability to evolving financial regulations
• Data-driven decision-making
• Team collaboration across departments
• Presentation skills for client seminars and workshops

Benefits

• Competitive base salary plus uncapped commission structure with potential for six-figure earnings
• Comprehensive medical, dental, and vision insurance plans with employer contributions
• 401(k) retirement savings plan with generous company matching up to 5% of eligible pay
• Paid time off including vacation, sick days, and 10 paid holidays annually
• Professional development opportunities, including tuition reimbursement and access to JP Morgan Chase's leadership programs
• Employee stock purchase plan and performance-based bonuses
• Wellness programs with gym memberships, mental health support, and financial wellness coaching
• Relocation assistance if applicable, plus commuter benefits for Southern California locations

JP Morgan Chase is an equal opportunity employer.