JPMorgan Chase Sr. Home Lending Advisor- Menlo Park, CA in Menlo Park, California
As a Retail Sr Home Lending Advisor, you will acquire and build relationships with clients through comprehensive review and marketing of mortgage products to clients inside and outside the branch, and develop and work to expand your customer base. As the customer's main point of contact with Chase throughout the life of the loan, you will be required to deliver strong results in mortgage and home lending products, and demonstrate strong interpersonal skills as well as provide exceptional service throughout the originations process.
As a Retail Sr Home Lending Advisor you will also be responsible for managing full-service mortgage banking relationships while delivering a superior service experience to a portfolio of affluent clientele. A successful Retail Sr Home Lending Advisor will be expected to contribute to acquisition of new clients by actively seeking referrals and developing internal and external sources. You will take a lead role in creating an outstanding customer experience. You will also partner with specialists (such as Personal Bankers, Relationship Bankers, Relationship Managers, and Financial Advisors), to ensure our customers get access to experts who can help them with specialized financial needs.
You will also be responsible for serving as the mortgage lending specialist at the branch by coaching and mentoring the branch team and providing training on products and services. You will work hand-in-hand with bankers, meeting with their customers and introducing new clients to bankers for additional products and services. All of you working as a team will create an outstanding customer experience.
This position is subject to the Dodd Frank/Truth in Lending Act qualification requirements for Loan Originators. As such, an employment offer for this position is contingent on JPMC's review of your criminal conviction history, credit report, information available through NMLS, and any other information relevant to a determination by JPMC that you demonstrate financial responsibility, good character, and general fitness for the position. Note that any felony conviction within the last seven years will disqualify you from consideration for this position. Your continued employment in this position would be contingent upon compliance with Truth in Lending Act/Dodd Frank Loan Originator requirements.
In addition, this position requires National Mortgage Licensing System and Registry (NMLS) registration under the SAFE Act of 2008. As such, upon active employment with JPMorgan Chase, you will be required to either register on NMLS, or to update your existing registration as necessary to grant access to and reflect your employment with JPMorgan Chase. Your continued employment in this position with JPMorgan Chase is contingent upon compliance with the SAFE Act, including successful registration immediately after your start date, and timely completion of annual renewal and required updates thereafter.
Any information obtained during the registration, update, and renewal processes or through NMLS notifications may impact your employment with the firm. Any of the completed information you provide during the Chase on-line application process may be transferred, on your behalf, to NMLS by JPMorgan Chase. Please carefully review the information you provide to Chase for accuracy and consistency and with any current NMLS record, if applicable, before submitting. Further information about NMLS and registration requirements of registration can be found at: http://mortgage.nationwidelicensingsystem.org/SAFE/Pages/default.aspx .
Chase Private Client is part of a 200-year tradition of helping clients pursue their unique financial goals. By truly getting to know and understand clients, our trusted network of Mortgage Bankers, Private Client Advisors, Private Client Bankers, Branch Managers, Personal Bankers, Relationship Bankers, Business Bankers, and Financial Advisors provide exceptional service, customized wealth management solutions and a range of investment strategies to help clients meet their needs and long-term objectives.
JPMorgan Chase offers an exceptional benefits program and a highly competitive compensation package.
JPMorgan Chase is an Equal Opportunity and Affirmative Action Employer, M/F/D/V
"Chase Private Client" is the marketing name for a business within JPMorgan Chase & Co. and its subsidiaries.
Sales Skills – developing a rapport with a customer, presenting recommendations with credibility and confidence, creating a sense of urgency, and closing the deal.
Networking Skills – initiating and building win-win relationships with Branch partners, financial professionals, realtors, developers, past customers, attorneys, and the like to source business and best serve the customer.
Communication Skills – explaining financial concepts, application requirements, and Underwriting processes to all types of customers from the investment savvy to the naïve/inexperienced.
Critical Thinking – understanding the customer’s need, circumstance, and context and their implications for application and approval; and designing custom solutions to best meet each customer’s needs.
Time Management – prioritizing activities and scheduling time effectively; demonstrating discipline and focus without supervision or prodding; organizing work flow and tracking progress to ensure the receipt of accurate and complete information and documentation when it is needed; and juggling leads from multiple methods/sources.
Technologically Savvy – navigating through multiple systems in a windows environment; effectively and efficiently extracting information from automated databases and files; and leveraging technology and software in managing networks, pipelines, and applications.
Self Reliance – holding oneself accountable to high standards of production and quality; doing what needs to be done when it needs to be done; being willing to work independently and to be held accountable for individual goals and targets.
Patience – investing time to build trust and credibility with customers, prospects, leads, and referral sources; understanding the need to cultivate relationships and interactions even though not all will result in a sale.
Emotional Resilience – remaining positive and productive even in the face of setbacks and obstacles; offering alternatives and options when original proposals/ recommendations are rejected; and accepting rejection and criticism without becoming defensive or discouraged.
Flexibility – changing focus, priority, or approach based on customer feedback and reaction; readily adjusting to and accepting changes in products, procedures, technologies, processes, and compensation plans; and changing approach in response to market trends.
Knowledge of Mortgage Banking – knowing how mortgages work, their legal requirements, their various elements and characteristics, their processing, and how to assemble and structure a loan.
Product Knowledge – in-depth understanding of various mortgage products, their features and characteristics, and how to identify the best product for the customer, situation, and/or context.
Quality Orientation – understanding lending requirements and their implications for loan application and processing; attending to all details to ensure loan processing is as efficient as possible; and ensuring that product solution is best of service, and profitable with minimum risk.
Relationship Orientation – having a customer-centric and partnership-oriented focus – working with others to get loans originated, structured, and processed as effectively and efficiently as possible for the customer. It includes being friendly and warm, finding a common ground and/or purpose, and building a rapport with others.
Financial Insight – understanding the calculations involved in structuring a mortgage, what the values mean, and why they may change during the application process.
Professional Credibility – following through with commitments and promises; sharing information that is accurate and honest; being willing to admit errors and to acknowledge limitations; and making recommendations that best serve the customer.
Drive – being willing to put in the hours needed when needed; consistently using time productively; setting and meeting challenging targets and goals; developing extensive and varied networks.
PRINCIPAL DUTIES AND RESPONSIBILITIES:
Develop and strengthen partnerships and referral sources by meeting with branch customers to start a conversation, share information, and explore how Chase products meet their needs; participating in branch huddles and events to share updates and information; coaching referral partners (e.g., Relationship Bankers, Financial Advisors, Business Bankers) on mortgage products and services; and keeping the Branch Manager and all branch partners up-to-date on prospects, referrals, and pending applications.
Source the business by cultivating leads, initiating customer interactions and conversations, meeting with customers, maintaining visibility in the marketplace (e.g., attending closings, hosting homebuyer seminars, participating in community events, attending open houses), and developing relationships with external referral partners (e.g., realtors, builders, attorneys, insurance agents, cpas).
Manage the book of business by maintaining contact with existing mortgage customers, following up regularly, exploring opportunities and future needs, verifying value and satisfaction, and solidifying the customer relationship with Chase.
Identify best product solution for each customer by asking the customer questions about needs and interests; listening to and addressing customer concerns and reservations; knowing Chase products, and their advantages and characteristics; considering Underwriting and pre-approval requirements; and recommending the products that best meet customer needs.
Produce high quality loans by gathering all the information required; ensuring compliance with current lending guidelines and Chase policies; managing risk and customer expectations; coordinating with partners and stakeholders from application through closing; tracking progress; troubleshooting problems and tackling obstacles; following up on status and deadlines; and escalating when needed.
Partner with the customer by establishing trust; focusing on the relationship not just the sale; serving as the single point of contact for the customer from application to closing; explaining financial terms and loan requirements; following up regularly to update on status, progress, and next steps; working together to solve problems and address needs; and building satisfaction and loyalty.
JPMorgan Chase is an equal opportunity and affirmative action employer Disability/Veteran.