Private Mortgage Banker

The Agency; Scottsdale (AZ); On-site; USD 120,000 - 240,000; Full time

Job summary

The Agency in Scottsdale, AZ is seeking an experienced Private Mortgage Banker to originate and structure sophisticated residential mortgage solutions for high-net-worth clients. You will develop new relationships, partnering with private bankers, wealth management professionals, and internal credit teams to provide a high-touch client experience.

This role focuses on growing loan production, expanding overall banking relationships, and delivering customized mortgage solutions while maintaining

Qualifications

• 8+ years of mortgage lending experience, jumbo and non-QM; active MLO license in good standing.
• Proven ability to originate high-balance residential mortgages and consistently meet production goals.
• Strong knowledge of underwriting guidelines, pricing strategies, and applicable lending regulations.
• Excellent communication, negotiation, presentation, and relationship management skills.

Responsibilities

• Develop new business through personal networks, referrals, real estate professionals, and outreach to high-net-worth individuals and families.
• Originate, structure, and close residential mortgage loans, including jumbo, non-QM, portfolio, bridge, and construction-to-permanent financing.
• Build and maintain relationships with affluent clients, understanding their financial circumstances and real estate goals.
• Drive loan production, revenue, and profitability while expanding relationships through deposits, investments, and other private banking services.
• Manage the mortgage pipeline from initial consultation through underwriting, approval, and closing.
• Partner with private bankers, relationship managers, wealth planning professionals, credit underwriting, and closing teams to deliver a seamless client experience.
• Achieve established goals for loan origination volume, revenue generation, client acquisition, and cross-selling.
• Maintain compliance with lending regulations, internal policies, and mortgage underwriting standards.
• Build a strong referral network and identify opportunities to grow the bank's presence within the high-net-worth mortgage market.

Skills

Mortgage lending

MLO license

HNW relations

Structured financing

CRM proficiency

Negotiation

Communication

Networking

Education

Bachelor's degree or equivalent

Tools

Mortgage origination systems

CRM systems

Job description

A respected private bank is seeking an experienced Private Mortgage Banker to serve high-net-worth individuals, families, and business owners. This individual will focus on originating and structuring sophisticated residential mortgage solutions while developing new client relationships, growing loan production, and expanding overall banking relationships.

The Private Mortgage Banker will play a key role in business development, delivering customized mortgage solutions, and partnering with private bankers, wealth management professionals, and internal credit teams to provide a high-touch client experience. This position is ideal for an established mortgage professional with a strong network, expertise in jumbo and non-traditional lending, and a proven ability to build lasting relationships with affluent clients.

This is an outstanding opportunity to join a relationship-focused private banking organization that prioritizes personalized service, customized financial solutions, and long-term client relationships.

Key Responsibilities

• Develop new business through personal networks, referrals, real estate professionals, and targeted outreach to high-net-worth individuals and families.
• Originate, structure, and close residential mortgage loans, including jumbo, non-QM, portfolio, bridge, and construction-to-permanent financing.
• Build and maintain relationships with affluent clients, understanding their financial circumstances, real estate goals, and liquidity needs.
• Drive loan production, revenue, and profitability while identifying opportunities to expand relationships through deposits, investments, and other private banking services.
• Manage the mortgage pipeline from initial consultation through underwriting, approval, and closing.
• Analyze borrower financials, evaluate credit quality, and structure lending solutions tailored to complex borrower needs.
• Partner with private bankers, relationship managers, wealth planning professionals, credit underwriting, and closing teams to deliver a seamless client experience.
• Achieve established goals for loan origination volume, revenue generation, client acquisition, and cross-selling.
• Maintain compliance with applicable lending regulations, internal policies, and mortgage underwriting standards.
• Build a strong referral network and identify opportunities to grow the bank's presence within the high-net-worth mortgage market.

Required Qualifications

• Bachelor's degree in Finance, Business, Real Estate, or a related field, or equivalent combination of education and experience.
• 8+ years of mortgage lending experience, with a strong background in jumbo and non-traditional residential mortgage products.
• Active Mortgage Loan Originator (MLO) license through NMLS in good standing.
• Proven track record of originating high-balance residential mortgages and consistently achieving production goals.
• Strong knowledge of residential mortgage products, underwriting guidelines, pricing strategies, and applicable lending regulations.
• Demonstrated ability to develop new business through referrals, networking, and relationship-driven sales.
• Experience evaluating complex borrower financials and structuring customized mortgage solutions.
• Excellent communication, negotiation, presentation, and relationship management skills.
• Strong organizational skills and proficiency with mortgage origination systems and CRM platforms.

Preferred Qualifications

• Prior experience within private banking, wealth management, or a high-net-worth mortgage lending environment.
• Experience with portfolio lending, non-QM products, bridge financing, and construction-to-permanent loans.
• Established relationships with high-net-worth clients, real estate professionals, and other referral sources.
• Experience partnering with private bankers and wealth management teams to expand client relationships.
• Demonstrated success growing loan production while identifying opportunities for broader banking relationships.

This is an exceptional opportunity for an experienced mortgage professional looking to grow their business within a relationship-focused private banking environment. The Private Mortgage Banker will have the opportunity to serve an affluent clientele, structure sophisticated lending solutions, and contribute to the continued growth of the bank's private banking relationships. The position offers competitive, production-based compensation and the opportunity to build long-term client relationships in a collaborative environment.

Equal Employment Opportunity Statement

The Agency Recruiting is an Equal Employment Opportunity (EEO) employer and considers all qualified applicants without regard to race, color, religion, sex, national origin, age, disability, veteran status, or any other protected characteristic protected under applicable federal, state, or local law.