Legal, PWM Mortgage Lending Attorney, Vice President, Dallas or New York

Goldman Sachs•Dallas, TX

About The Position

The Private Wealth Management Legal team seeks an experienced attorney to support the firm’s residential mortgage lending business serving high-net-worth and ultra-high-net-worth clients. The attorney will act as a primary legal advisor across mortgage origination, modification, servicing, enforcement, and restructuring, with a focus on mortgage documentation, entity formations, loan structuring, title and lien matters, collateral enforcement, and consumer lending regulations. The role advises mortgage business stakeholders on jumbo mortgages, home equity lending, custom credit structures, and loans secured by complex real estate holdings. It also addresses title, survey, lien-priority, curative, and closing matters; coordinates with external mortgage, title, and local counsel and settlement agents; supports regulatory examinations, audits, internal controls, and policy updates; and handles escalated servicing, default, enforcement, foreclosure, and loss-mitigation matters.

Requirements

J.D. and active membership in at least one U.S. state bar.
At least 5 years of experience advising mortgage lenders, banks, financial institutions, or private banking businesses.
Significant residential mortgage experience across origination, documentation, servicing, enforcement, and collateral matters.
Expertise in title review and curative matters, including title defects, lien priority, unreleased liens, trust and estate title issues, surveys, and closing concerns.
Strong knowledge of ECOA/Regulation B and residential mortgage requirements, including TILA, RESPA, Fair Housing Act, flood insurance, UDAAP principles, and applicable state laws.
Experience advising a regulated bank, preferably in private banking, wealth management, or a high-net-worth client business.
Ability to provide practical, business-oriented advice while balancing legal, regulatory, reputational, and operational risk.
Strong communication, collaboration, and problem-solving skills.

Nice To Haves

Experience managing outside counsel and advising senior stakeholders.
Private banking or wealth management mortgage lending experience, including jumbo mortgages and ultra-high-net-worth clients.
Familiarity with New York, California, Texas, and other key private banking market mortgage laws and practices.
Experience with trusts, LLCs, family offices, and other complex private wealth borrowing structures.

Responsibilities

Advise mortgage origination, underwriting, servicing, operations, risk, compliance, and business stakeholders.
Advise on jumbo mortgages, home equity lending, custom credit structures, and loans secured by complex real estate holdings.
Review loan agreements, notes, mortgages, deeds of trust, guarantees, consumer disclosures, and modification agreements.
Advise on title, survey, lien priority, curative, and closing matters, including title defects, easements, encroachments, unreleased liens, and chain-of-title issues.
Manage and partner with external mortgage, title, and local counsel and settlement agents across jurisdictions.
Advise on federal and state mortgage and consumer lending requirements, including ECOA/Regulation B, TILA, RESPA, Fair Housing Act, flood insurance, and related frameworks.
Support regulatory examinations, audits, internal controls, and updates to policies and procedures.
Advise on lending to private wealth clients using trusts, family offices, multilayered entities, and other complex ownership structures.
Assist with escalated servicing, default, enforcement, foreclosure, and loss-mitigation matters.