Counsel, Consumer Lending

Description:

Description:
An American Bank is looking for a highly motivated, results-oriented attorney to join its Legal team in a fast-paced environment, supporting the origination and servicing/collections of An American Bank' Mortgage, Home Equity, Student, Credit Card and unsecured lending programs. We envision the individual initially supporting senior attorneys and developing into a key attorney in dedicated areas. An American Bank has grown to be a top fifteen consumer bank lending and deposit franchise in the United States and the successful candidate will have mobility opportunities to support other areas in the growing Consumer and Private Bank legal over time.

Primary responsibilities include:

• Trusted advisor to An American Bank Consumer Lending businesses, which includes originations, servicing and collections of mortgages, home equity lines of credit, student loans and other unsecured credit.
• Work closely with senior attorneys, management and other colleagues on new initiatives, problem solving and escalated customer issues.
• Research, analyze and provide sound legal advice on legal and compliance matters related to existing and evolving financial products and services.
• Serve as trusted advisor to clients on initiatives, strategic planning, internal audit and regulatory exam support, contract interpretation/negotiation and dispute resolution.
• Stay up to date on laws and regulatory issues dealing with areas of responsibility.

Preferred Qualifications:

• 3+ years of law firm or in-house experience.
• Familiarity with FDCPA/Regulation F, FCRA, TILA/Regulation Z, E-Sign, and UDAAP.
• Familiarity with bank branch operations matters.
• Familiarity with payment processing, ACH, Regulation E, NACHA rules.

Skills:

• The confidence to critically examine the status quo as appropriate, bring fresh and innovative thinking and be outspoken, when necessary, coupled with strong communication.
• The perseverance and patience necessary to work through ambiguity and see a matter through to completion.
• The ability to see past the immediate question and understand the broader implications and wider strategy.
• Ability to comfortably operate in a fast-paced, constantly changing environment and ability to stay calm when the pressure is on.
• Highly collaborative team player with a positive attitude and good sense of humor.

Education, Certifications and/or Other Professional Credentials:
JD or equivalent, strong academic credentials and admission to at least one U.S. bar required.

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