Community Home Lending Advisor - Katy, TX at JPMorgan Chase Bank, N.A. in Katy, Texas

Job Description:

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 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 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.

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.aspxChase is a leading financial services firm, helping nearly half of America's households and small businesses achieve their financial goals through a broad range of financial products. Our mission is to create engaged, lifelong relationships and put our customers at the heart of everything we do. We also help small businesses, nonprofits and cities grow, delivering solutions to solve all their financial needs.

We recognize that our people are our strength and the diverse talents they bring to our global workforce are directly linked to our success. We are an equal opportunity employer and place a high value on diversity and inclusion at our company. We do not discriminate on the basis of any protected attribute, including race, religion, color, national origin, gender, sexual orientation, gender identity, gender expression, age, marital or veteran status, pregnancy or disability, or any other basis protected under applicable law. In accordance with applicable law, we make reasonable accommodations for applicants' and employees' religious practices and beliefs, as well as any mental health or physical disability needs.

Equal Opportunity Employer/Disability/Veterans