Senior Residential Lending Associate

Israel Discount Bank of New York, also known by its registered service mark, “IDB Bank”, is a full service commercial bank chartered by the State of New York and a member of the Federal Deposit Insurance Corporation (FDIC). Our liquidity and capital ratios are strong, and we are ranked by Crain’s New York Business as the 24th largest commercial bank in the New York area.  the Bank provides equal employment opportunities to all employees and applicants for employment without regard to race, color, religion, sex, sexual orientation, national origin, age, disability, genetic status, citizenship status, marital status, military or veteran status, current unemployment or any other legally protected category in accordance with applicable federal, state and local law.

This role will play a crucial role in facilitating the residential mortgage process, ensuring a seamless experience for clients and internal stakeholders. This individual will be responsible for loan origination support, credit analysis coordination, document management, regulatory compliance, and client service. The ideal candidate has deep expertise in residential lending, strong analytical skills, and an understanding of the sophisticated financial needs of High Net Worth and Ultra High Net Worth clients.

Essential Roles & Responsibilities:

Loan Origination & Execution:

• Assist relationship managers with residential mortgage lending solutions for their clients.
• Serve as a key liaison between clients, relationship managers, loan officers, operations and closing teams to ensure timely loan processing and funding.
• Prepare and review loan applications and packages for accuracy and completeness.
• Work closely with legal and compliance teams to ensure regulatory requirements.

Client & Internal team coordination:

• Act as a primary point of contact for clients, assisting with documentation requests, loan status updates, general inquiries and servicing issues.
• Coordinate with operations to facilitate underwriting and loan decisions.

Credit & Compliance Support:

• Assist in loan structuring by gathering required financial statements and supporting documentation.
• Ensure compliance with internal credit policies, banking regulations, and residential lending guidelines (e.g., TRID, RESPA).
• Monitor loan conditions, covenants, and ongoing portfolio performance to mitigate risk exposure.

Operational & Administrative Support:

• Maintain and update loan tracking and referral systems, ensuring accurate reporting of loan pipeline activity.

• Assist with internal and external audits and risk management processes by maintaining meticulous records.

#LI-Hybrid

• Bachelor’s degree in finance, real estate, business administration, or a related field preferred.
• 7-10 years of experience in residential lending, mortgage administration, or private banking credit underwriting.
• Strong knowledge of residential loan products, underwriting guidelines, and private banking mortgage structures.
• Experience working with high net-worth individuals and understanding their unique financing needs.
• Exceptional attention to detail, analytical skills, and ability to manage multiple transactions simultaneously and under stringent deadlines.
• Excellent communication and relationship management skills, with the ability to work effectively across teams and with external partners.
• Proficiency in loan origination platforms, banking systems, and Microsoft Office Suite (Excel, Word, Outlook).
• Ability to handle confidential client information with professionalism and discretion.

Compensation

The expected annual base salary for this position is between $100,000 - $120,000 at the start of employment. A salary offer is determined on an individualized basis, taking into consideration factors such as an individual’s skills, experience, and book of business. In addition to base salary, our total rewards package also includes eligibility for incentive compensation, medical, pharmacy, dental, and vision plans, life and disability insurance, employee wellness program, retirement and savings plans with employer contributions, generous holiday and paid time off schedules, parental leave, and tuition reimbursement.

The Bank will make reasonable accommodations to the following employees to allow them to perform the essential functions of their position, except where doing so would result in undue hardship to the Bank:

• Those with a known mental or physical disability.
• Pregnant individuals and/or individuals with pregnancy or childbirth-related medical conditions.
• Victims of domestic violence, sex offenses or stalking.
• Employees with religious observance and practice obligations.

Any employee who believes he or she needs an accommodation for any of the above reasons should contact their supervisor or a member of Human Resources to request such an accommodation. In each case, the Bank will engage in a good faith written or oral dialogue concerning the individual’s accommodation needs; potential accommodations that may address the individual’s accommodation needs, including alternatives to a requested accommodation; and the difficulties that such potential accommodations may pose for the employer.

The Bank retains the ultimate discretion to choose the appropriate reasonable accommodation. Upon reaching a final determination at the conclusion of the cooperative dialogue, the Bank will provide the requesting individual with a written final determination identifying any accommodation granted or denied. In addition, the Bank will maintain any information regarding the employee’s request and status in the strictest confidence, except as requested by the employee, as required on a need-to-know basis or as otherwise required by law.

Disclaimer

The above statements are intended to describe the general nature and level of work being performed by people assigned to this classification. They are not to be construed as an exhaustive list of all responsibilities, duties, and skills required of personnel so classified. All personnel may be required to perform duties outside of their normal responsibilities from time to time, as needed.

All your information will be kept confidential according to EEO guidelines.

IDB BANK, INCLUDING ITS SUBSIDIARIES AND DIVISIONS, PROVIDES EQUAL EMPLOYMENT OPPORTUNITIES TO ALL EMPLOYEES AND APPLICANTS FOR EMPLOYMENT WITHOUT REGARD TO RACE, COLOR, RELIGION, SEX, SEXUAL ORIENTATION, NATIONAL ORIGIN, AGE, DISABILITY, GENETIC STATUS, CITIZENSHIP STATUS, MARITAL STATUS, MILITARY OR VETERAN STATUS, CURRENT UNEMPLOYMENT OR ANY OTHER LEGALLY PROTECTED CATEGORY IN ACCORDANCE WITH APPLICABLE FEDERAL, STATE AND LOCAL LAW. NOTHING IN THIS SITE CONSTITUTES A PROMISE OR OFFER OF EMPLOYMENT.