Sr Corporate Counsel, Consumer Lending Partnerships & Marketplace
About The Position
Happen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support across 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 and cross-functional teams to navigate complex transactions, manage legal risks, and enable responsible growth in a fast-paced, regulated environment. The position is based in San Francisco or Lehi and uses a hybrid work model. The team is in the office Tuesdays, Wednesdays, and Thursdays; in-person attendance is essential, and remote placement is not considered. The role primarily works local Pacific or Mountain time hours, with flexibility across time zones as needed. Travel to Happen Bank offices or other locations may be required 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 independently manage multiple transactions and competing priorities, 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 that support legal drafting, document management, and transactional workflows.
- Hands-on experience using AI tools for legal research, drafting, document review, diligence, and contract management, with sound judgment regarding accuracy, confidentiality, privilege, and human oversight.
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 to support efficient and consistent onboarding of strategic partners.
- Provide day-to-day legal guidance on lending program structures, new 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 documents for sales of 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.
- Develop and maintain a practical understanding of legal and regulatory requirements for consumer lending, loan sales, and securitizations, escalating matters to Regulatory Counsel and Compliance as appropriate.
- Contribute to Legal Department and cross-functional initiatives, projects, and other business priorities as needed.
Benefits
- Medical, dental, and vision plans for employees and their families.
- 401(k) match.
- Health and wellness programs.
- Flexible time off policies for salaried employees.
- Up to 16 weeks of paid parental leave.
- Potential eligibility for long-term equity awards and an annual bonus.
- Relocation based on actual job level.
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What This Job Offers
Job Type
Full-time
Career Level
Senior
Education Level
Ph.D. or professional degree
