nnYou 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.nn nn n nn nnAs 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.nn nn nn nnA 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.nn nn n nn nnResponsibilities:nn nn n nn nn 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-and-moderate income and minority community lending opportunities.nn nn nn nn 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.nn nn n nn nn 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.nn nn nn nn 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.).nn nn nn nn 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.nn nn n nn nn 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.nn nn nn nn 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.nn nn nn nn Partner with the customer by establishing trust; focusing on the relationship not just the sale;nn nnIdentify 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.nn nn n nn nn n nn nn n nn nn Knowledge and Experience nn nn n nn nn
· Five years of proven mortgage sales experience requirednn nn
· Deep knowledge of external referral sources e.g., realtors, nonprofits, community groups, civic/professional organizations required.
Ability to build new referral networks.nn nn
· Bachelor’s degree or equivalent work experience in sales and/or real estate requirednn nn
· Strong knowledge of low down payment products; FHA sales experience preferred.
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· Deep knowledge of down payment assistance programs and grants used for layered financing preferrednn nn
· Strong focus on customer satisfaction as demonstrated in CSAT scores and customer commentsnn nn
· Intermediate PC skills in a Windows environment required nn nn
· Excellent written and verbal communication skillsnn nn
· Knowledge of real estate market in local areann nn
· Knowledge of FHA, VA, FNMA, and FHLMC guidelinesnn