Sr Corporate Counsel, Consumer Lending Partnerships & Marketplace

LendingClub•Lehi, UT

14d•$150,000 - $210,000•Hybrid

About The Position

Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support for its consumer lending partnerships and investor marketplace businesses. The role drafts and negotiates complex commercial agreements, advises on lending programs across home improvement, home equity, and auto lending, and supports institutional loan sales and securitization transactions. The counsel partners with business leaders, Legal, Compliance, Finance, and other cross-functional teams to navigate complex transactions, manage legal risks, and enable responsible business growth in a fast-paced, regulated environment. The position is based in San Francisco or Lehi under a hybrid work model, with in-office attendance Tuesdays through Thursdays. Remote placement is not considered. The role primarily works local Pacific or Mountain Time hours, with flexibility across time zones as needed, and requires travel to Happen Bank offices or other locations as needed.

Requirements

At least 6 years of experience in corporate transactions, commercial contracting, securities, or a related legal practice, gained through law firm and/or in-house experience.
Juris Doctor (J.D.) degree and active membership in good standing with a state bar.
Strong legal drafting, negotiation, analytical, and problem-solving skills, including the ability to navigate complex commercial transactions and provide practical, business-oriented legal advice.
Ability to manage multiple transactions and competing priorities independently, with strong organization, attention to detail, and proactive deadline management.
Strong communication and relationship-building skills, including effective listening, adapting communication style, and influencing stakeholders across functions and levels.
Strong business judgment and ability to understand how legal considerations intersect with commercial, operational, financial, and regulatory objectives.
Ability to thrive in a fast-paced, evolving environment, approach challenges with curiosity and flexibility, identify solutions proactively, and take ownership of outcomes.
Genuine interest in consumer lending, fintech, and emerging business models, with willingness to learn new areas and contribute beyond immediate responsibilities.
Strong proficiency with office productivity applications and other tools supporting legal drafting, document management, and transactional workflows.
Hands-on experience using AI tools for legal research, drafting, document review, diligence, and contract management, and comfort sharing effective approaches while applying sound judgment regarding accuracy, confidentiality, privilege, and human oversight.
Ability to work primarily local Pacific or Mountain Time hours and be flexible across time zones when necessary.
Ability to attend in person at an eligible office; remote placement is not considered.

Nice To Haves

Experience in a bank, lending company, or fintech.
Experience with consumer loan sales, securitizations, structured finance, or marketplace lending.
Familiarity with the consumer lending regulatory framework, including TILA, FCRA, UDAAP, privacy, and applicable federal and state lending laws.

Responsibilities

Draft and negotiate complex commercial agreements with strategic partners, including lending platforms, networks, and referral partners, for home improvement, home equity, and auto lending programs.
Develop and maintain standardized agreements, negotiation playbooks, and fallback positions for consistent and efficient partner onboarding.
Provide day-to-day legal guidance on lending program structures, launches, product changes, partner performance, and disputes.
Advise the investor marketplace business on investor onboarding, marketplace operations, and ongoing legal matters.
Draft and negotiate loan sale and servicing agreements and related documentation for sales of the Bank’s consumer loans to institutional investors.
Partner with Capital Markets, Finance, Credit, and outside counsel to support securitization transactions.
Manage legal aspects of transactions throughout their lifecycle, including closing deliverables, amendments, investor inquiries, diligence requests, and repurchase or breach claims.
Maintain a practical understanding of legal and regulatory requirements affecting consumer lending, loan sales, and securitizations, including consumer protection, fair lending, privacy, and banking regulations; escalate matters to Regulatory Counsel and Compliance as appropriate.
Contribute to Legal Department and cross-functional initiatives, projects, and other business priorities as needed.