Residential Lending Specialist - Associate

Job Title

Residential Lending Specialist

Associate

Jacksonville

We are seeking a Residential Lending Specialist to manage the end-to-end process for residential mortgages and home equity lines of credit (HELOCs) within our boutique private banking environment. This is a hands‑on role that combines client interaction, application processing, pipeline management, and servicing. The ideal candidate is highly organized, client-focused, and comfortable wearing multiple hats in a fast‑paced, relationship‑driven setting.

The Private Bank UHNW Residential Mortgage Specialist is responsible for end-to-end mortgage fulfillment of portfolio loans. This role owns the client experience and execution from application through funding, acting as a knowledgeable, trusted point of contact.

The role partners closely with Private Banker, Credit, Legal, Compliance and third‑party vendors to deliver a private‑label, white‑glove experience while ensuring regulatory and policy adherence.

• A diverse and inclusive environment that embraces change, innovation, and collaboration
• A hybrid working model, allowing for in-office / work-from-home flexibility, generous vacation, personal and volunteer days
• Employee Resource Groups support an inclusive workplace for everyone and promote community engagement
• Competitive compensation packages including health and wellbeing benefits, retirement savings plans, parental leave, and family building benefits
• Educational resources, matching gift, and volunteer programs

• Serve as the primary fulfillment contact for UHNW clients once an application is received, providing clear guidance on process, documentation, timelines, and closing logistics.
• Subject‑matter expert on the following:
  • Loan mortgage structure and pricing.
  • State‑specific disclosures and timing considerations.
  • Documentation requirements for complex income, assets, trusts, and entities (W2, K‑1s, partnership distributions, LLC, Trusts, Corp).
  • Appraisals, title, escrow, insurance, and closing logistics.
• Review applications for completeness and accuracy; initiate disclosures (LE, CD, NOIA, Commitments).
• Coordinate end‑to‑end closing logistics with attorneys, escrow/title agents, insurance brokers, Condo/Co‑op Boards.
• Ensure all closing documents & funding are accurate & timely.
• Ensure clean handoff to servicing and onboarding teams; follow up on any trailing documentation.
• Support quality control, audit, and regulatory reviews as needed.
• Maintain accurate and complete loan files within internal systems, ensuring audit‑ready documentation throughout the process.
• Deliver a discreet, proactive client experience, coordinating closely with Private Bankers to align messaging and expectations.
• Anticipate and identify potential issues upfront and proactively resolve prior to any impact on client satisfaction.

• Extensive experience in residential mortgage fulfillment, processing/closing, or underwriting experience, preferably within Private Banking Wealth Management.
• Demonstrated experience managing complex UHNW mortgage borrowers and loan structures.
• Exceptional client communication skills with the ability to explain technical requirements clearly and confidently.
• High attention to detail with strong organizational and issue‑resolution skills.
• Familiarity with Trust, LLC, LP, and other entity borrowing structures.
• Exposure to operational risk, quality assurance, and regulatory documentation standards.
• Current NMLS registration or obtain within 90 days.

• Excellent organizational skills and ability to manage multiple transactions simultaneously.
• Exceptional communication and client service skills.
• Experience with high‑net‑worth clients and…