Senior Mortgage Advisor – Self-Sourced, High-Value Financing

BTGPactual International

Miami (FL)

Hybrid

USD 120,000 - 160,000

Full time

10 days ago

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Job summary

BTG Pactual is seeking accomplished Mortgage Bankers to grow our U.S. residential mortgage business.

This role emphasizes self-sourced production, external referrals, and delivering tailored financing solutions for affluent borrowers across conventional, jumbo, portfolio and international cases. You will develop and manage pipelines, collaborate with credit, fulfillment, and compliance teams, and leverage BTG Pactual’s ecosystem to deepen client relationships while maintaining regulatory

Qualifications

Minimum of three years of residential mortgage origination and business development experience.
Demonstrated ability to develop external referral relationships and manage an individual production pipeline.
Working knowledge of residential mortgage products, borrower qualification, loan documentation and applicable regulations (SAFE Act, TILA/Regulation Z, RESPA/TRID, ECOA, Fair Lending, HMDA, anti-steering and loan originator compensation rules).
Proficiency with mortgage origination technology, CRM tools and standard productivity applications.

Responsibilities

Drive self-sourced mortgage production through proactive prospecting, business development and execution of an individual sales strategy, maintaining a sustainable pipeline and achieving production objectives.
Develop and expand strategic referral relationships with real estate and luxury/new-construction professionals, builders and developers, attorneys, CPAs, financial professionals, family offices, relocation firms, past clients and other permissible centers of influence.
Act as a trusted mortgage advisor to affluent and complex borrowers, assessing objectives and financial profiles and recommending appropriate products consistent with approved credit guidelines and Bank policies.
Structure and originate complex transactions: jumbo and non-conforming loans, portfolio products, high-balance residential mortgages, foreign national/international borrower financing, trust, entity and LLC ownership structures, investment property and second home/luxury property financing.
Analyze sophisticated borrower profiles involving multiple income streams, self-employed and foreign income, asset depletion and liquidity-based underwriting, complex tax returns and high-net-worth balance sheets.
Manage the origination and client experience from consultation and application through closing, coordinating with fulfillment, underwriting, credit, appraisal, closing and servicing teams, while respecting independent approval authorities.
Collaborate across BTG Pactual’s banking and wealth management ecosystem to deepen client relationships and facilitate authorized referrals for complementary services, within applicable licensing and policy requirements.
Leverage approved loan origination and CRM technology to maintain accurate records, manage pipeline activity and monitor performance.
Maintain strong product and market expertise regarding mortgage programs, pricing, competitive conditions and regulatory developments.
Uphold regulatory compliance, ethical conduct and responsible lending (mortgage lending, fair lending, consumer protection, privacy and BSA/AML requirements), escalating compliance concerns, suspected fraud and exceptions through established channels.
Contribute to BTG Pactual’s growth and culture of excellence through exceptional client service, collaboration, professional development, community engagement and other related duties as assigned.