VP, Mortgage Structured Finance Counsel – NY or Dallas

Goldman Sachs; Dallas (TX); On-site; USD 185,000 - 295,000; Full time

Benefits offered by this job

Health insurance

On-site health centers

Retirement plan and financial wellness

Job summary

Goldman Sachs seeks a Vice President attorney to join the Structured Finance and Mortgages team in New York or Dallas, advising the residential whole loan trading desk.

You will lead negotiation and drafting of MLPA, flow sale, and related documents, partnering with loan management, compliance, and outside counsel to move transactions from bid to closing while addressing regulatory risk.

Qualifications

• J.D. from an accredited law school and active bar membership in good standing in at least one state.
• 4+ years of transaction‑based legal experience in residential mortgage whole loan trading or related structured finance/consumer lending.
• Strong knowledge of consumer protection laws (TILA, RESPA, ECOA, HMDA, CFPB ATR/QM) and GSE/Ginnie Mae requirements.
• Ability to manage multiple, time‑sensitive transactions in a high‑volume trading desk environment.
• Excellent drafting, negotiating and communication skills with senior stakeholders.

Responsibilities

• Lead negotiation and drafting of Mortgage Loan Purchase Agreements (MLPAs), flow sale and forward purchase agreements, and related ancillary documentation across all residential whole loan asset classes.
• Serve as primary deal counsel for the residential whole loan trading desk on deal structuring, pricing mechanics, representations and warranties, repurchase/remedies, and due diligence issues.
• Partner daily with loan management and operations on loan boarding, custodial and servicing transfers, and post‑closing remediation.
• Coordinate with consumer compliance and regulatory teams to ensure compliance with federal/state laws including TILA/RESPA and investor requirements.
• Advise on representations, warranties, and repurchase frameworks and dispute resolution mechanics.
• Manage outside counsel on high‑volume documentation projects for cost efficiency.
• Support due diligence with third‑party providers, the trading desk, and risk decisions.
• Draft and negotiate master agreements with repeat counterparties to streamline execution.
• Monitor regulatory developments affecting the residential whole loan market and advise the business on impact.
• Collaborate with tax, controllers, and technology on structuring and approvals.

Skills

Negotiation

Drafting

Legal research

Regulatory knowledge

Cross-functional collaboration

Education

J.D. from an accredited law school

Bar admission in good standing (US)

Job description

Goldman Sachs seeks a Vice President attorney to join the Structured Finance and Mortgages team in New York or Dallas, advising the residential whole loan trading desk.

You will lead negotiation and drafting of MLPA, flow sale, and related documents, partnering with loan management, compliance, and outside counsel to move transactions from bid to closing while addressing regulatory risk.