Overview
This role serves as the primary legal owner of the end-to-end home equity investment origination process, supporting marketing and application through closing, document recording, and servicing. You will report to the General Counsel and partner closely with origination, marketing, product, and operations teams to support growth while managing federal and state regulatory risk.
There are no direct reports today, though the role may grow a team over time.
Responsibilities
- Serve as primary legal counsel for the end-to-end homeowner origination lifecycle, including marketing, application, underwriting support, closing, document recording, and servicing.
- Advise on federal and state regulatory compliance affecting home equity investment and consumer finance products, and translate requirements into practical guidance for the business.
- Own consumer finance compliance matters, including UDAAP, fair lending, and related consumer protection obligations.
- Review and clear product, marketing, and advertising materials before they reach homeowners.
- Draft, negotiate, and manage vendor, title, and escrow agreements that support the origination and closing process.
- Advise on privacy and data security compliance, including GLBA and CCPA obligations tied to consumer financial information.
- Manage litigation, consumer complaints, and disputes, coordinating outside counsel as needed.
- Monitor legal and regulatory developments affecting home equity investments and residential real estate finance, and proactively adjust policies, forms, and processes.
- Partner cross-functionally with origination, operations, marketing, and product teams to enable growth while managing legal and regulatory risk.
Requirements
- 7+ years of legal experience, with a preferred combination of law firm, regulatory agency, and/or in-house experience at a loan originator or comparable consumer finance company.
- JD required, with active bar membership in good standing in a US state.
- Strong familiarity with consumer finance and residential mortgage products, or closely related regulated financial products, and the regulatory frameworks that govern them.
- Working knowledge of consumer protection requirements, including UDAAP and fair lending principles.
- Sound, business-oriented judgment with the ability to give clear, actionable advice under time pressure.
- Excellent written and verbal communication skills, with the ability to explain legal risk in plain English to non-lawyers.
- Desire to participate in a fast-paced early-stage startup.
Preferred Qualifications
- Experience advising on privacy and data security compliance (e.g., GLBA, CCPA).
- Experience drafting and negotiating vendor, title, escrow, or other transaction-support agreements.
- Experience managing litigation, consumer complaints, or disputes.
Compensation & Benefits
On-target earnings: $240,000 to $300,000 inclusive of a base salary and a biannual bonus based on company, team, and individual success.
- Within the stated range, individual pay is determined by job-related skills, experience, and relevant education or training.
Benefits include:
- Premium healthcare plans for you and your family, with eligibility for employees on their first day
- Flexible PTO and parental leave
- Monthly cell and internet stipend
- Access to a WeWork location
Location
Not specified in the provided job description.