Company Background
BTG Pactual is the largest investment bank in Latin America and one of the fastest-growing financial institutions in the world, with a presence across the Americas, Europe and Asia. In the United States, we are building a differentiated banking and wealth management platform that combines the agility of an entrepreneurial business with the balance sheet, reach and credibility of a leading global financial institution. Our culture is built on meritocracy, partnership, excellence and an uncompromising commitment to our clients.
Position overview
We are seeking accomplished, entrepreneurial Mortgage Bankers with a proven track record of self-sourced production to help accelerate the growth of our U.S. residential mortgage business. Exceptional producers deserve more than a place to originate loans — they deserve a platform where they can grow their business, expand their reach and make a measurable impact.
Leveraging the Bank's balance sheet, portfolio lending capabilities, specialized mortgage solutions and broader banking ecosystem, the Mortgage Banker serves a wide range of borrowers and financing needs, including conventional, jumbo, portfolio and specialized residential lending for affluent, high-net-worth and eligible international borrowers, consistent with approved product offerings and lending criteria.
The role is primarily focused on new business acquisition and externally sourced production: the Mortgage Banker independently develops and manages a sustainable pipeline through business development, established professional networks and qualified referral relationships, while partnering with internal credit, fulfillment and compliance teams to deliver an exceptional borrower experience. The Mortgage Banker may also support internally generated opportunities and collaborate with internal banking partners to match clients with the most suitable financing solution.
Main 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 for applications, funded volume, revenue and new client acquisition.
- 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.
Required Qualifications
- Minimum of 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 (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.
Preferred Qualifications
- 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.
Core Competencies
- Self-directed business development
- Client-centric advisory approach
- Ethical judgment and risk awareness
- Commercial discipline
- Cross-functional collaboration
- Execution and accountability
- Clear communication
Work Environment & Travel
Market-facing sales position requiring regular external meetings, networking and client or referral-partner engagement, together with office-based and remote work and activities as authorized by the Bank.
Why Join BTG Pactual
- Entrepreneurial and performance-driven culture with significant long-term career development potential.
- Collaborative and inclusive work environment that values diversity of thought and background.
- Expected Salary Range: USD 120,000-160,000- depending on experience, qualifications, licenses, and seniority.
By submitting this application, I agree to share the information above. Your information will only be used to evaluate the applicationprocess and talent database for BTG Pactual and its subsidiaries in accordance with our privacy policy.
