Posted in General Business 15 days ago.
You have a passion for serving our Chase communities and enabling our customers' 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 and grants. You're a great listener and a natural relationship builder-you thrive on client and partner interaction.
Join us as a Centralized Community HLA (CCHLA) and apply your people skills and mortgage sales experience driving an extraordinary Home Lending experience in our underserved communities. The CCHLA will deliver strong production results with a particular focus on serving low-and-moderate income communities and customers. Your exceptional interpersonal skills and dedication to customer service will be vital throughout the originations process where you will be one of the customer's primary points of contact and a trusted advisor along the homeownership journey.
The CCHLA will receive leads based on customer and loan attributes that indicate one of our Affordable products may potentially be the right solution. In every case, your priority is matching your customer to the right product, so all our Chase home lending products will be available to you. In some instances, you may reach out proactively via telephone to potential customers based on Marketing lists provided to you.
Because many Affordable programs are local, you can expect to interact and build relationships with realtors, nonprofit organizations, consumer groups, housing agencies, and other advocates in addition to your primary customers.
Originate mortgage and other home lending products based on leads supplied as well as outbound telephone prospecting. Particular focus on low-and-moderate income community lending opportunities.
Identify and create relationships with nonprofits, community advocates, and civic/professional organizations to learn more about available local home lending assistance programs and to 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. Understand that many customers may have just embarked on a longer journey to home ownership. Educate and coach prospective customers even before they are ready to apply for a loan.
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.
Research available and emerging HAP/DAP, grants, and other programs to maintain up-to-date expertise in Affordable products. Diseminate this knowledge throughout the CCHLA team to foster an Affordable Center of Excellence.
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.
Recommend and refer Chase and external credit-building partners to customers who are in the process of developing their readiness to transact (e.g., Credit Journey). Periodically track these customers' progress and readiness to purchase or refinance.
• Five years of proven mortgage sales experience preferred
• Bachelor's degree or equivalent work experience in sales and/or real estate required
• Experience building relationships within the ecosystem of Community lending partners, such as Realtors, nonprofits, community groups, civic/professional organizations
• 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.
• Strong knowledge of low down payment products; conventional, FHA, VA sales experience preferred.
• Strong 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
• Excellent written and verbal communication skills
• Knowledge of FHA, VA, FNMA, and FHLMC guidelines
• **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 .Chase 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