Mortgage Banker

BTG Pactual•Miami, FL

About The Position

BTG Pactual is seeking an accomplished, entrepreneurial Mortgage Banker with a proven record of self-sourced production to support the growth of its U.S. residential mortgage business. The role uses the Bank’s balance sheet, portfolio lending capabilities, specialized mortgage solutions and broader banking ecosystem to serve borrowers with conventional, jumbo, portfolio and specialized residential financing needs, including affluent, high-net-worth and eligible international borrowers, subject to approved products and lending criteria. The position focuses primarily on new business acquisition and externally sourced production. The Mortgage Banker independently builds and manages a sustainable pipeline through business development, professional networks and qualified referral relationships, while working with internal credit, fulfillment and compliance teams to deliver a strong borrower experience. The banker may also support internally generated opportunities and work with internal banking partners to identify suitable financing solutions. This market-facing sales role includes regular external meetings, networking and engagement with clients and referral partners, as well as office-based and remote work and activities authorized by the Bank. BTG Pactual describes its culture as entrepreneurial, performance-driven, collaborative and inclusive, with long-term career development potential.

Requirements

At least three years of residential mortgage origination and business development experience, including demonstrated self-sourced production.
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, including the SAFE Act, TILA/Regulation Z, RESPA/TRID, ECOA, Fair Lending, HMDA, anti-steering and loan originator compensation rules.
Strong consultative sales, communication, relationship-management, organizational and follow-through skills.
Proficiency with mortgage origination technology, CRM tools and standard productivity applications.
High school diploma or equivalent.
Ability to satisfy applicable employment screening and SAFE Act registration and/or NMLS licensing requirements, including ongoing eligibility.

Nice To Haves

Established production relationships in the assigned market.
Seven or more years of residential mortgage origination experience, with a track record in complex, larger-balance transactions.
Experience with jumbo, portfolio, conventional, specialized or international borrower financing and with HNW/UHNW clients.
Bachelor’s degree in Business, Finance, Real Estate, Economics or a related field; equivalent professional experience may be considered.

Responsibilities

Drive self-sourced mortgage production through prospecting, business development and an individual sales strategy; maintain a sustainable pipeline and work toward objectives for applications, funded volume, revenue and new client acquisition.
Develop and expand referral relationships with real estate and luxury or new-construction professionals, builders and developers, attorneys, CPAs, financial professionals, family offices, relocation firms, past clients and other permissible centers of influence.
Advise affluent and complex borrowers by assessing their objectives and financial profiles and recommending appropriate products in accordance with approved credit guidelines and Bank policies.
Structure and originate complex transactions, including jumbo and non-conforming loans, portfolio products, high-balance residential mortgages, international borrower financing, trust, entity and LLC ownership structures, and investment, second-home and 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.
Use approved loan origination and CRM technology to maintain accurate records, manage pipeline activity and monitor performance.
Maintain expertise in mortgage programs, pricing, competitive conditions and regulatory developments.
Uphold regulatory compliance, ethical conduct and responsible lending requirements, including mortgage lending, fair lending, consumer protection, privacy and BSA/AML; escalate compliance concerns, suspected fraud and exceptions through established channels.
Contribute to BTG Pactual’s growth and culture of excellence through client service, collaboration, professional development, community engagement and other related duties as assigned.