Residential Lending Specialist, Associate

About the Role

Position: Residential Lending Specialist - Associate

Location: Jacksonville, FL

We are seeking a Residential Lending Specialist to manage the end-to-end process for residential mortgages and home equity lines of credit (HELOCs) within a private banking environment. This is a hands-on role that combines client interaction, application processing, pipeline management, and servicing. The ideal candidate is highly organized, client-focused, and comfortable wearing multiple hats in a fast-paced, relationship-driven setting.

The Private Bank UHNW Residential Mortgage Specialist is responsible for end-to-end mortgage fulfillment of portfolio loans. This role owns the client experience and execution from application through funding, acting as a knowledgeable, trusted point of contact. The role partners closely with Private Banker, Credit, Legal, Compliance and third-party vendors to deliver a private label, white-glove, experience while ensuring regulatory and policy adherence.

Key Responsibilities

• Serve as the primary fulfillment contact for UHNW clients once an application is received, providing clear guidance on process, documentation, timelines, and closing logistics.
• Subject-matter expert on:
• Loan mortgage structure and pricing.
• State-specific disclosures and timing considerations.
• Documentation requirements for complex income, assets, trusts, and entities (W-2, K-1s, partnership distributions, LLC, Trusts, Corp).
• Appraisals, title, escrow, insurance, and closing logistics.
• Review applications for completeness and accuracy; initiate disclosures (LE, CD, NOIA, Commitments).
• Coordinate end-to-end closing logistics with attorneys, escrow/title agents, insurance brokers, Condo/Co-op Boards.
• Ensure all closing documents & funding are accurate & timely.
• Ensure clean handoff to servicing and onboarding teams; follow up on any trailing documentation.
• Support quality control, audit, and regulatory reviews as needed.
• Maintain accurate and complete loan files within internal systems, ensuring audit-ready documentation throughout the process.
• Deliver a high-touch, discreet, and proactive client experience, coordinating closely with Private Bankers to align messaging and expectations.
• Anticipate and identify potential issues upfront and proactively resolve prior to any impact to client satisfaction.

Requirements & Tech Stack

• Extensive experience in residential mortgage fulfillment, processing/closing, or Underwriting experience, preferably within Private Banking Wealth Management.
• Demonstrated experience managing complex UHNW mortgage borrowers and loan structures.
• Exceptional client communication skills with the ability to explain technical requirements clearly and confidently.
• High attention to detail with strong organizational and issue-resolution skills.
• Familiarity with Trust, LLC, LP, and other entity borrowing structures.
• Exposure to operational risk, quality assurance, and regulatory documentation standards.
• Current NMLS registration or obtain within 90 days.
• Proven ability to leverage AI tools to enhance productivity, optimize workflows to solve business problems, while applying critical judgment to ensure responsible and ethical use of data and AI outputs.

Skills That Will Help You Excel

• Excellent organizational skills and ability to manage multiple transactions simultaneously.
• Exceptional communication and client service skills.
• Experience with high-net-worth clients and complex income structures.
• Familiarity with compliance requirements (TRID, RESPA, etc.).
• Ability to work independently and take ownership of the entire lending process.