Attorney - Residential Mortgage Servicing 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 counsel to multiple Front Line Units regarding the servicing of residential mortgage loans, including servicing of custom mortgage loan products. Key responsibilities include providing specific legal advice on products, services and certain legal actions including loss mitigation, workouts and loan modifications. Job expectations include reviewing legal contracts and documents and conducts legal research.
Responsibilities:
Analyzes legal issues and implications on consumer banking and wealth management products, services, and regulatory matters
Communicates clear, concise, actionable, and business-informed legal advice, including occasionally to leadership
Interprets rulings, laws, and regulations from a compliance and business control standpoint
Drafts, reviews, and/or negotiates complex legal documents, such as engagement letters, debt agreements, offering documents, and legal opinions
Gathers, assesses, and evaluates information from various sources to make a judgment or inference
Supports company responses to government agency examinations and investigations, enforcement actions, private complaints, and litigation
Provides legal support for residential mortgage servicing, including the wealth management residential mortgage servicing business GWIM Consumer Special Asset Group (GCSAG) default servicing for Custom mortgage, as well as additional support for Custom mortgage
Supports client escalations, daily advice to the wealth management residential mortgage servicing business, Dodd Frank compliance, servicing questions, legal/compliance matters related to default servicing and general legal advice
Required Qualifications:
Bar Admission in at least one state (active/good standing)
Minimum 7 years legal/compliance experience in mortgage industry
Experience with custom residential mortgage loan documentation
Desired Qualifications:
Experience with high net worth residential mortgage servicing
Experience with high net worth mortgage lending (sales, underwriting, products and programs, client escalations)
Experience with custom residential mortgage loan documentation
Familiarity with estate planning trust @types, LLCs, LPs and related issues (i.e. title vesting)
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.
View your "Know your Rights (https://www.eeoc.gov/sites/default/files/2023-06/22-088\EEOC\KnowYourRights6.12.pdf) " poster.
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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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