Community Home Lending Advisor ~ Wheat Ridge, CO

Jpmorgan Chase & Co. Wheat Ridge , CO 80034

Posted 2 weeks ago

Community Home Lending Advisor

Position Summary

You have a passion for serving the community and enabling the dream of homeownership.

Your knowledge and experience in home lending sales is built on expertise not only in GSE

products, but also FHA and VA programs, as well as alternative options like down payment

assistance plans. Your success stems from deep relationships with community organizations,

homeownership advocacy groups, and other non-profits.

As a Field Sales Community Home Lending Advisor, you will build relationships with customers both inside and outside the branch and work to expand your customer base via contacts in the community. This sales role expects strong production results, with a particular focus on serving customers in low-and-moderate income and minority communities. Your exceptional interpersonal skills and dedication to customer service will be vital throughout the originations process where you will be the customer's primary point of contact.

A successful Community Home Lending Advisor will acquire new clients by actively seeking

referrals inside and outside the branch. External sources like realtors, nonprofits, consumer

groups, housing agencies, and others will be key to your success. You will take a lead role in

creating an outstanding customer experience. You won't be alone: your colleagues will provide

you exceptional support as you partner with other specialists such as Affordable Lending

Relationship Managers, Community Relationship Bankers, and Community Relationship

Managers, ensuring our customers have access to experts who can help them with specialized

financial needs.

Business Description

Chase is one of the largest U.S. providers of banking, lending, treasury, wealth management

and investment services. Chase serves 50 million customers, including consumers, small

businesses, mid-size companies, corporations, financial institutions, nonprofits and

governments. Chase's Home Lending business is a national leader in originations and servicing,

with 7 million mortgages representing a combined balance of $1 trillion. Chase's Home Lending

business delivers an unmatched customer experience through building lasting relationships,

exceeding expectations, being courteous and professional, doing the right thing, and owning

customer inquiries from start to finish.

Core Competencies

Sales Skills - creating a rapport with customers, presenting recommendations with credibility

and confidence, instilling a sense of urgency, and closing the deal.

Networking Skills - initiating and building win-win relationships with realtors, developers, nonprofits,

community groups, housing agencies, consumer advocates, branch partners, past

customers, 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 financially savvy to the nave/

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 Home Lending - 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.

Particular expertise required in low down payment products, including conventional, FHA, VA,

down payment assistance programs, and others.

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.

The typical pay scale for this role is between $31.25 and $31.25 (or $31.25/hr and $31.25/hr); This compensation range is specific to CO - and may differ in other locations due to cost of labor considerations. In addition, the role may be eligible for incentives earned as part of the business aligned program(s) and amounts are determined based on terms of the plan.

JPMorgan Chase is committed to providing a comprehensive set of benefits choices to meet different employee needs and lifestyles. The JPMorgan Chase U.S. Benefits Program is generally available in whole or in part to most employees in the U.S. who meet the eligibility criteria.

https://www.jpmorganchase.com/content/dam/jpm/corporate/hr/2021_benefits.pdf

Principal Duties and Responsibilities (in order of importance)

Originate mortgage and other home lending products based on a variety of business sources

including bank referrals and external community partners. Particular focus on low-andmoderate

income and minority community lending opportunities.

Develop and strengthen community partnerships and referral sources by building relationships

with nonprofits, community advocates, civic/professional organizations and with branch

customers to, share information, and explore how Chase products meet the needs of the

community and customers.

Build customer awareness and educate potential customers in homeownership options that

Chase provides. Working with assigned branches, participate in branch huddles and events to

share updates and information with internal referral partners (e.g., Community Relationship

Bankers, Financial Advisors, Business Bankers) on mortgage products and services. Keep 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, nonprofits, community

groups, civic/professional organizations, builders, etc.).

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; knowing and leveraging local housing

assistance programs and grants to assist customers in qualifying for down payment and closing

cost assistance; 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;

Identify and remain engaged with pipeline of customers "not yet ready" for homeownership

through the education and counseling process until ready to apply. Serve as the single point of

contact for the customer from application to closing; explain financial terms and loan

requirements; follow up regularly to update on status, progress, and next steps; work together to

solve problems and address needs; and build satisfaction and loyalty.

Knowledge and Experience

  • Five years of proven mortgage sales experience required

  • Deep knowledge of external referral sources e.g., realtors, nonprofits, community

groups, civic/professional organizations required. Ability to build new referral networks.

  • Bachelor's degree or equivalent work experience in sales and/or real estate required

  • Strong knowledge of low down payment products; FHA sales experience preferred.

  • Deep knowledge of down payment assistance programs and grants used for layered

financing preferred

  • Strong focus on customer satisfaction as demonstrated in CSAT scores and customer

comments

  • Intermediate PC skills in a Windows environment required

  • Excellent written and verbal communication skills

  • Knowledge of real estate market in local area

  • Knowledge of FHA, VA, FNMA, and FHLMC guidelines

Unique Requirements

  • Strong product, credit, and mortgage process knowledge

  • Excellent presentation/ public speaking skills supporting a focus on community outreach

and homeowner education activities

  • Demonstrated knowledge and experience working with community-based nonprofits,

community groups, consumer advocacy groups, and civic/professional groups

  • Regional Management approval required for internal Home Lending Advisors or Lending

Development Officers who have been in their position for less than one year

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

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Community Home Lending Advisor ~ Wheat Ridge, CO

Jpmorgan Chase & Co.