Senor Home Lending Advisor, Boise, ID

Location: Nampa, ID, 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 homeownership dreams through innovative lending solutions. As a Senior Home Lending Advisor in our Nampa, ID location, you will play a pivotal role in the Originations category, guiding clients through a seamless journey to secure mortgages that fit their unique financial profiles. Leveraging JP Morgan Chase's extensive resources and market expertise, you will deliver exceptional sales results while upholding our standards of integrity, compliance, and client satisfaction in the dynamic Boise-area housing market. In this client-facing position, you will proactively source and cultivate leads from diverse channels, including partnerships with local real estate professionals and community outreach. Your responsibilities will include conducting in-depth needs assessments, presenting customized loan options such as fixed-rate, adjustable-rate, and government-backed products, and navigating the full origination process from application to closing. You will collaborate closely with internal teams to mitigate risks, ensure regulatory compliance with laws like the Equal Credit Opportunity Act, and utilize advanced analytics to optimize loan portfolios, all while driving revenue growth for JP Morgan Chase's Home Lending division. We seek a seasoned professional passionate about financial services and home lending, with a demonstrated ability to exceed sales targets in a competitive landscape. Joining JP Morgan Chase means access to cutting-edge technology, ongoing professional development, and a supportive culture that values diversity and inclusion. If you thrive in a high-energy environment and are dedicated to empowering clients' financial futures, this role offers an opportunity to advance your career while contributing to one of the world's most respected financial institutions.

Key Responsibilities

• Prospect, develop, and maintain a robust pipeline of mortgage lending clients through networking, referrals, and community events in the Nampa and Boise markets
• Conduct comprehensive financial consultations to assess client needs and recommend tailored home financing solutions, including conventional, FHA, VA, and jumbo loans
• Collaborate with JP Morgan Chase's underwriting and processing teams to ensure seamless loan origination and timely closings
• Drive sales performance by achieving or exceeding monthly and quarterly origination targets while adhering to compliance standards
• Build and nurture long-term relationships with real estate agents, builders, and financial advisors to generate high-quality leads
• Utilize CRM tools and data analytics to track client interactions, forecast sales, and optimize lending strategies
• Educate clients on mortgage products, interest rates, and market trends to facilitate informed decision-making
• Ensure all loan applications comply with JP Morgan Chase's risk management policies and regulatory requirements
• Participate in ongoing training to stay current with evolving lending practices and JP Morgan's product offerings
• Contribute to team goals by sharing best practices and supporting branch initiatives in the Nampa location

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 residential mortgage origination
• In-depth knowledge of federal and state lending regulations, including Truth in Lending Act (TILA) and RESPA
• Strong understanding of credit analysis, underwriting processes, and loan structuring
• Ability to work independently in a fast-paced, client-focused environment

Preferred Qualifications

• Advanced certifications such as Certified Mortgage Banker (CMB) or equivalent
• Experience working with high-net-worth clients or jumbo loan products at a major financial institution
• Familiarity with JP Morgan Chase's proprietary lending platforms and tools
• Bilingual proficiency in English and Spanish to serve diverse client bases in the Boise area
• Previous leadership experience mentoring junior lending advisors

Required Skills

• Expertise in mortgage loan origination and product knowledge
• Proficiency in financial analysis and credit evaluation
• Strong sales and negotiation abilities
• Excellent communication and interpersonal skills
• Customer relationship management using tools like Salesforce
• Knowledge of lending software such as Encompass or Loan Origination Systems
• Analytical skills for market trend assessment
• Compliance and regulatory adherence
• Time management and organizational prowess
• Problem-solving in complex financial scenarios
• Team collaboration and leadership
• Digital literacy with Microsoft Office Suite and financial modeling tools
• Adaptability to changing economic conditions
• Empathy and client-centric approach
• Attention to detail in documentation and reporting

Benefits

• Competitive base salary plus uncapped commission structure for top performance
• 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 15+ paid holidays annually
• Professional development opportunities through JP Morgan Chase's tuition reimbursement and leadership programs
• Employee stock purchase plan and access to financial wellness resources
• Flexible work arrangements and support for work-life balance
• Exclusive perks such as gym memberships, childcare assistance, and employee assistance programs

JP Morgan Chase is an equal opportunity employer.