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Corporate Counsel - Mortgage Origination and Realty Services

Company: Credible Operations, Inc.
Location: Durham
Posted on: November 19, 2021

Job Description:

Corporate Counsel - Mortgage Origination and Realty Services We believe life's changes create financial needs for people and that the traditional financial system often puts up unnecessary obstacles. People celebrate major milestones like going to college, getting married, and buying a home. And most of the time, these milestones come with financial implications. At Credible, we have built a company with the mission of bringing transparency, choice, simple processes and savings to accessing credit for life's important moments. What you see is what you get. We are committed to being upfront, honest, and clear about your options. There are no mysteries, no hidden fees, and no secret clauses. Credible is a fast-growing Fintech company that has world class management, has raised multiple rounds of funding, is generating significant revenue and is disrupting the lending market and helping people save money and get out of debt faster. About the Role: Credible is looking for an attorney with significant experience supporting online mortgage originators. You will be an integral member of a cross-functional team providing regulatory, compliance, licensing, privacy, and contractual support for Credible's online mortgage brokerage, real estate referral network and related initiatives. You may not have all the answers, but you know how to find, analyze, and translate them and then empower the team to put them into action. Responsibilities:

  • Advise our product, partnerships, operations, marketing, and other teams on a full range of legal, regulatory, privacy and compliance issues associated with the origination of consumer mortgage loans and the structure and operation of a real estate broker referral networks, including compliance with relevant financial services regulations (e.g., TILA and Reg. Z, ECOA and Reg. B, FCRA, FACTA, and RESPA), privacy (e.g., GLBA and Reg P, CCPA, and other recently enacted state privacy laws), data security (e.g., ISO 27001), CFPB examination requirements and procedures, consumer protection laws and regulations and risk management practices
  • Utilize your knowledge of and experience working with the rules and regulations associated with financial services, and real estate referral networks to support our internal business teams--
  • Drafting, negotiating, and reviewing contracts with mortgage lenders and real estate broker partners in a fast-paced and collaborative in-house environment--
  • Provide practical training on legal issues, including relevant financial services and FinTech laws and regulations, and prepare and provide internal teams with succinct guides and checklists they can proactively use to guide them in their day-to-day initiatives--
  • Build processes to improve the company's operating efficiency and mitigate legal risk Education and Experience:
    • Active and in good standing member of a US State Bar
    • JD from an ABA accredited law school
    • 6+ years of legal experience advising/supporting mortgage origination operations for mortgage brokers and/or lenders required (a combination of law firm and in-house experience preferred but not required); additional experience supporting an online real estate broker referral network would be ideal but not required
    • Experience working with financial services, data privacy and security, and consumer protection laws and regulations generally, including those administered by the Consumer Financial Protection Bureau, the Federal Trade Commission, and state financial services regulators
    • Proven ability to manage people and projects in a growing matrixed organizational structure
    • Detail-oriented project management skills with the ability to prioritize and manage multiple competing projects to effective resolution
    • Exceptional professionalism; strong work ethic; desire to learn and grow; sense of humor; and the flexibility needed to thrive in an innovative and fast-paced business environment Why work at Credible? We are a fast moving, fun-loving, seriously smart group of people who really care about impacting the lives of our customers. We empower our employees to make decisions, take risks, drive our business and make changes when we don't get it right. These are our values:--
      • Exceed Customer Expectations: We provide an exceptional experience to each and every customer that compels them to share it with others.--
      • Take Ownership: We are trusted to make decisions that are in the best interests of our customers and our business. We think and act like owners. We care - and that makes all the difference.--
      • Be Curious: We are curious, ask questions, seek to understand and try new things.--
      • Do the Right Thing: We earn trust by being transparent, respectful and honest with each person with whom we interact.--
      • Get Results: Results fuel our excitement and we know how our personal accomplishments tie to the success of the company.
      • Be Bold: We are courageous and take risks that scare us. Our enthusiasm for experimenting is how we will find the next breakthrough. Our benefits: We offer competitive compensation, generous benefits, free food and a flexible vacation policy. But mainly, you want to work at Credible because you believe in our mission and want to have a major role in delivering on it! We look forward to getting to know you. We are an equal opportunity employer and value diversity at our company. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status. Pursuant to the San Francisco Fair Chance Ordinance, we will consider for employment qualified applicants with arrest and conviction records. Below is a set of--voluntary demographic questions that are part of our inclusion tool. If you choose to fill them out, the responses will be used (in aggregate only) to help us identify areas for improvement in our process. Your responses, or your choice to not respond, will not--be associated with your specific application and--will not--in any way be used in the hiring decision. I identify my gender as:
        Female
        Male
        Non-binary / third gender (Inclusive of bigender, agender, androgynous, gender fluid, gender non-conforming)
        I prefer not to say
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        I identify as transgender:
        Yes
        No
        I prefer not to say
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        I identify my sexual orientation as:
        Asexual
        Bisexual, pansexual and/or queer
        Gay and/or lesbian
        Heterosexual
        I prefer not to say
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        I identify my ethnicity as (mark all that apply):
        Alaskan Native / American Indian / Indigenous American / Native American
        Black / Of African descent
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        Veteran Status:
        Yes, I am a veteran
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        U.S. Equal Opportunity Employment Information (Completion is voluntary) Individuals seeking employment at Credible are considered without regards to race, color, religion, national origin, age, sex, marital status, ancestry, physical or mental disability, veteran status, gender identity, or sexual orientation. You are being given the opportunity to provide the following information in order to help us comply with federal and state Equal Employment Opportunity/Affirmative Action record keeping, reporting, and other legal requirements. Completion of the form is entirely voluntary. Whatever your decision, it will not be considered in the hiring process or thereafter. Any information that you do provide will be recorded and maintained in a confidential file. Gender Please select Are you Hispanic/Latino? Please select Race & Ethnicity Definitions If you believe you belong to any of the categories of protected veterans listed below, please indicate by making the appropriate selection. As a government contractor subject to Vietnam Era Veterans Readjustment Assistance Act (VEVRAA), we request this information in order to measure the effectiveness of the outreach and positive recruitment efforts we undertake pursuant to VEVRAA. Classification of protected categories is as follows: A "disabled veteran" is one of the following: a veteran of the U.S. military, ground, naval or air service who is entitled to compensation (or who but for the receipt of military retired pay would be entitled to compensation) under laws administered by the Secretary of Veterans Affairs; or a person who was discharged or released from active duty because of a service-connected disability. A "recently separated veteran" means any veteran during the three-year period beginning on the date of such veteran's discharge or release from active duty in the U.S. military, ground, naval, or air service. An "active duty wartime or campaign badge veteran" means a veteran who served on active duty in the U.S. military, ground, naval or air service during a war, or in a campaign or expedition for which a campaign badge has been authorized under the laws administered by the Department of Defense. An "Armed forces service medal veteran" means a veteran who, while serving on active duty in the U.S. military, ground, naval or air service, participated in a United States military operation for which an Armed Forces service medal was awarded pursuant to Executive Order 12985. Veteran Status Please select Form CC-305 OMB Control Number 1250-0005 Expires 05/31/2023 Voluntary Self-Identification of DisabilityWhy are you being asked to complete this form? We are a federal contractor or subcontractor required by law to provide equal employment opportunity to qualified people with disabilities. We are also required to measure our progress toward having at least 7% of our workforce be individuals with disabilities. To do this, we must ask applicants and employees if they have a disability or have ever had a disability. Because a person may become disabled at any time, we ask all of our employees to update their information at least every five years. Identifying yourself as an individual with a disability is voluntary, and we hope that you will choose to do so. Your answer will be maintained confidentially and not be seen by selecting officials or anyone else involved in making personnel decisions. Completing the form will not negatively impact you in any way, regardless of whether you have self-identified in the past. For more information about this form or the equal employment obligations of federal contractors under Section 503 of the Rehabilitation Act, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . How do you know if you have a disability? You are considered to have a disability if you have a physical or mental impairment or medical condition that substantially limits a major life activity, or if you have a history or record of such an impairment or medical condition. Disabilities include, but are not limited to:
        • Autism
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        • Nervous system condition for example, migraine headaches, Parkinson's disease, or Multiple sclerosis (MS)
        • Psychiatric condition, for example, bipolar disorder, schizophrenia, PTSD, or major depression Disability Status Please select 1 Section 503 of the Rehabilitation Act of 1973, as amended. For more information about this form or the equal employment obligations of Federal contractors, visit the U.S. Department of Labor's Office of Federal Contract Compliance Programs (OFCCP) website at www.dol.gov/ofccp . PUBLIC BURDEN STATEMENT: According to the Paperwork Reduction Act of 1995 no persons are required to respond to a collection of information unless such collection displays a valid OMB control number. This survey should take about 5 minutes to complete.

Keywords: Credible Operations, Inc., Durham , Corporate Counsel - Mortgage Origination and Realty Services, Legal , Durham, North Carolina

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