Senior Home Lending Advisor, Visalia, CA

Location: Visalia, 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 our Visalia, CA 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 your expertise in a dynamic market, fostering long-term relationships and contributing to the firm's reputation for excellence in consumer banking. You will operate in a supportive environment where innovation and client-centric service are at the core of everything we do. In this senior role, you will be responsible for originating high-quality home loans, from initial consultation to successful closing, ensuring every step aligns with JP Morgan Chase's rigorous standards for compliance and risk management. Drawing on your deep knowledge of the financial services industry, you will analyze client needs, recommend optimal products such as fixed-rate mortgages or home equity lines, and navigate complex regulatory landscapes including Dodd-Frank and RESPA. Your efforts will directly impact our goal of expanding access to homeownership in the Visalia community, where you will engage with diverse clients through targeted outreach and strategic partnerships with local realtors and organizations. We value professionals who thrive in a results-oriented culture, and as a Senior Home Lending Advisor, you will mentor emerging talent while pursuing ambitious sales targets that reward your dedication. JP Morgan Chase provides cutting-edge tools, ongoing training, and a collaborative team to support your success. If you are passionate about financial advising and ready to deliver first-class service in one of California's vibrant markets, join us to advance your career and make a meaningful difference in clients' lives.

Key Responsibilities

• Prospect, source, and develop new mortgage lending clients through community networking, referrals, and digital channels in the Visalia area
• Conduct comprehensive financial assessments to recommend tailored home lending solutions, including conventional, FHA, VA, and jumbo loans
• Guide clients through the entire loan origination process, from application to closing, ensuring a seamless and compliant experience
• Build and maintain strong relationships with real estate agents, builders, and financial partners to drive referral business
• Achieve and exceed monthly sales targets for loan volume and revenue while adhering to JP Morgan Chase's risk and compliance standards
• Utilize CRM systems and analytics tools to track leads, manage pipelines, and optimize sales strategies
• Educate clients on mortgage products, market trends, and financing options to empower informed homeownership decisions
• Collaborate with underwriting and processing teams to resolve issues and expedite loan approvals
• Stay updated on lending regulations and industry best practices to ensure all activities comply with federal and state guidelines
• Mentor junior team members and contribute to local branch initiatives to enhance JP Morgan Chase's community presence

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 equity, or consumer lending within the financial services industry
• Active Mortgage Loan Originator (MLO) license with NMLS registration, in good standing
• Proven track record of achieving sales targets in a competitive lending environment
• Strong understanding of federal and state lending regulations, including TRID, ECOA, and HMDA
• Excellent credit history and ability to pass a comprehensive background check
• Availability to work in the Visalia, CA market and travel as needed within the region

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with diverse client bases in underserved or rural markets like Visalia
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in English and Spanish to serve the local community
• Prior leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage products and lending processes
• Proficiency in financial analysis and credit underwriting
• Strong sales and negotiation abilities
• Excellent verbal and written communication
• Customer relationship management using CRM tools like Salesforce
• Knowledge of regulatory compliance in banking
• Analytical skills for market trend evaluation
• Time management and organizational prowess
• Empathy and active listening for client interactions
• Digital literacy with loan origination software
• Networking and partnership building
• Problem-solving in high-pressure scenarios
• Adaptability to changing market conditions
• Team collaboration and leadership
• Bilingual communication skills (preferred for local market)

Benefits

• Comprehensive medical, dental, and vision insurance plans with multiple coverage options
• 401(k) retirement savings plan with company matching contributions up to 6% of eligible pay
• Generous paid time off, including vacation, sick days, and parental leave
• Annual performance-based bonuses and commission structure tied to sales achievements
• Professional development programs, including tuition reimbursement and access to JP Morgan Chase's learning academy
• Employee stock purchase plan and other investment opportunities within the firm
• Wellness programs with gym memberships, mental health support, and financial counseling services
• Relocation assistance for eligible roles and flexible work arrangements where applicable

JP Morgan Chase is an equal opportunity employer.