Associate General Counsel, Servicing & Title

This is a fully remote position, open to applicants in Alabama, +30 more states.

📋 Description

• Act as the main legal liaison for Servicing and homeowner operations throughout the post-origination lifecycle.

• Draft and manage amendments to contracts while overseeing state-specific analyses governing them, including recording and lien priorities.

• Evaluate homeowner communications and notices, and maintain matrices for state disclosure and notice requirements.

• Provide counsel on vesting, transfers, trusts, estates, capacity issues, and cure mechanics.

• Collaborate with Product, Engineering, and Design teams on servicing features and related legal obligations.

• Offer guidance on title and lien perfection problems, county rejections, corrective instruments, and state curative mandates.

• Oversee title claims with carriers from initiation to resolution, including claim strategy and recovery efforts.

• Partner with Servicing and subservicers on legal escalations involving senior-lienholder proceedings, tax sales, condemnation, and casualty claims.

• Provide advice on consumer bankruptcy inquiries, proofs of claim, and communications during stay periods.

• Advise on delinquent property taxes, redemption timelines, per-file risk assessments, and remediation strategies.

• Engage and manage outside counsel on title, collateral, and tax-sale issues while overseeing scopes, deliverables, deadlines, and budgets.

• Assist with diligence, investor notices, and consent obligations.

• Create playbooks, templates, and self-service resources for frequently asked servicing queries.

• Utilize approved AI-assisted workflows for document review, disclosure comparisons, and matter triage, ensuring verification and confidentiality safeguards.

⛳️ Requirements

• Juris Doctor (J.D.) and active bar membership in any U.S. jurisdiction (California preferred).

• Must qualify for in-house practice in your state of residence.

• Over 7 years of experience practicing law in mortgage or consumer finance.

• Significant hands-on experience advising on residential mortgage or other real estate-secured consumer finance servicing matters.

• Proficient in analyzing and resolving issues related to title, lien priority, recording, or lien perfection.

• Knowledge of title insurance and the variations across different states.

• Familiarity with foreclosure and enforcement procedures in both judicial and non-judicial states, including redemption periods and surplus funds is a plus.

• Solid understanding of RESPA/Regulation X, TILA/Regulation Z, FDCPA/Regulation F, FCRA, ECOA/Regulation B, TCPA, SCRA, GLBA, UDAAP, as well as state UDAP laws and state servicing, licensing, and debt collection regulations.

• Ability to evaluate regulatory requirements for a novel consumer financial product and convert them into operational guidance.

• Experience in retaining and directing outside and local counsel.

• Proven ability to manage scope and budget across a portfolio of multiple matters.

• Preferred experience includes default servicing, foreclosure, bankruptcy, loss mitigation, title claims, operational build-out for novel consumer financial products, creation of legal playbooks and templates, intake processes, service levels, and legal AI tools.

🏝️ Benefits

• Comprehensive medical, dental, and vision plans.

• Flexible spending accounts (FSA) and health savings accounts (HSA).

• Unlimited paid time off.

• 10 company holidays.

• Fully remote work opportunities.

• Fully paid parental leave.

• Four weeks of fully paid transition time while working 2–3 days per week.

• Significant equity options.

• 401K retirement plan.

• Guaranteed life insurance.

• Short- and long-term disability coverage.

• Monthly stipends for internet and mobile plans.

• Wellness perks.

• One-time reimbursement for home office setup.

• Company-provided equipment including a MacBook and monitor.