Attorney - Mortgage Origination Attorney
Charlotte, North Carolina;Dallas, Texas; Plano, Texas
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Job Description:
At Bank of America, we are guided by a common purpose to help make financial lives better through the power of every connection. We do this by driving Responsible Growth and delivering for our clients, teammates, communities and shareholders every day.
Being a Great Place to Work and providing a culture of caring is core to how we drive Responsible Growth. We are intentional about fostering an inclusive workplace where every teammate has the opportunity to succeed, build a career and contribute to our shared success. This includes attracting and developing exceptional talent, recognizing and rewarding performance, and supporting our teammates' physical, emotional, and financial wellness through affordable, competitive and flexible benefits.
We value the unique perspectives individuals bring from all backgrounds and career paths - whether shaped by military service, community college education, or a wide range of work and life experiences. These journeys foster resilience, leadership and innovation, strengthening our workforce and positively impact the communities we serve.
Bank of America is committed to an in-office culture that supports collaboration, engagement, and career development. Our approach includes clear in-office expectations, while providing an appropriate level of flexibility based on role-specific responsibilities and business needs.
At Bank of America, you can build a successful career with opportunities to learn, grow, and make an impact. Join us!
Job Description:
This job is responsible for providing legal support for residential mortgage origination activities, including conventional conforming, government-insured and guaranteed, jumbo, high net worth, and other customized mortgage lending products. Key responsibilities include serving as a trusted legal advisor to business, operations, compliance, risk, and product partners on matters involving mortgage lending laws, regulatory developments, operational practices, and strategic initiatives.
Responsibilities:
Provide legal advice and strategic guidance on conventional and government inured residential mortgage origination activities, products, processes, and initiatives
Counsel business partners on jumbo, high net worth, asset-based, relationship-based, and other customized mortgage lending programs
Provide legal analysis on mortgage product development, underwriting practices, pricing considerations, disclosures, advertising, digital applications, and secondary market eligibility requirements
Partner closely with compliance, risk, audit, operations, and product teams to assess and mitigate legal and regulatory risk
Support examinations, regulatory inquiries, audits, investigations, litigation, and remediation initiatives involving mortgage lending activities
Participate in strategic projects involving technology modernization, digital mortgage initiatives, automation, artificial intelligence, and operational process enhancements
Required Qualifications:
Active membership in at least one state bar.
A minimum of 6 years of experience practicing law, with substantial experience supporting residential mortgage lending activities.
Demonstrated experience advising on mortgage origination products and processes.
Strong understanding of mortgage industry business practices and operational workflows.
Desired Qualifications:
Experience supporting a large bank, mortgage lender, or other financial institution.
Strong knowledge of conventional conforming mortgage programs and agency requirements.
Experience advising on jumbo, private banking, high net worth, wealth management affiliated, or customized mortgage origination programs.
Familiarity with mortgage secondary market requirements and investor guidelines.
Experience interacting with federal and state regulatory agencies and examination teams.
Experience providing legal support for digital mortgage platforms, automated underwriting systems, eClosing initiatives, and product innovation efforts.
Skills:
Advisory
Influence
Interpret Relevant Laws, Rules, and Regulations
Policies, Procedures, and Guidelines
Risk Management
Critical Thinking
Decision Making
Issue Management
Legal Drafting and Writing
Regulatory Compliance
Attention to Detail
Collaboration
Executive Presence
Legal Structures and Legal Forms
Problem Solving
Minimum Education Requirement: Doctorate degree in related field
Shift:
1st shift (United States of America)
Hours Per Week:
40
Bank of America and its affiliates consider for employment and hire qualified candidates without regard to race, religious creed, religion, color, sex, sexual orientation, genetic information, gender, gender identity, gender expression, age, national origin, ancestry, citizenship, protected veteran or disability status or any factor prohibited by law, and as such affirms in policy and practice to support and promote the concept of equal employment opportunity, in accordance with all applicable federal, state, provincial and municipal laws. The company also prohibits discrimination on other bases such as medical condition, marital status or any other factor that is irrelevant to the performance of our teammates.
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Bank of America is committed to an in-office culture with specific requirements for office-based attendance and which allows for an appropriate level of flexibility for our teammates and businesses based on role-specific considerations. Should you be offered a role with Bank of America, your hiring manager will provide you with information on the in-office expectations associated with your role. These expectations are subject to change at any time and at the sole discretion of the Company. To the extent you have a disability or sincerely held religious belief for which you believe you need a reasonable accommodation from this requirement, you must seek an accommodation through the Bank's required accommodation request process before your first day of work.
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Are Not Deposits Are Not Insured by Any Federal Government Agency Are not a condition to Any Banking Service or Activity
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