Associate General Counsel, Servicing & Title

Accountabilities:

• Serve as the primary legal advisor to Servicing and homeowner operations throughout the post-origination lifecycle, from homeowner inquiries and onboarding through exits and maturity.
• Draft and maintain contract amendments and conduct state-by-state legal analysis covering recording, lien priority, and related requirements.
• Review homeowner communications, notices, and disclosures while maintaining applicable state requirements in coordination with legal and compliance stakeholders.
• Advise on vesting, property transfers, trusts, estates, capacity issues, and cure mechanisms when transfers fall outside contractual requirements.
• Partner with Product, Engineering, and Design teams to identify and address legal requirements associated with servicing features and processes.
• Advise on title and lien perfection matters, including county rejections, corrective instruments, state-specific curative requirements, and title insurance considerations.
• Manage title claims with carriers from initial tender through resolution, including claim strategy, recovery efforts, and coordination around business exposure.
• Support escalations involving senior lienholders, tax sales, condemnation, casualty claims, and other proceedings affecting collateral.
• Advise on consumer bankruptcy matters, including proofs of claim and communications during applicable stay periods.
• Provide guidance on delinquent property taxes, redemption timelines, file-level risk, and remediation strategies.
• Retain and manage outside counsel for title, collateral, tax-sale, and related matters, including scope, work product, deadlines, and budgets.
• Support diligence, investor notices, and consent requirements where servicing or title matters affect applicable obligations.
• Develop legal playbooks, templates, intake processes, and self-service guidance that enable business teams to resolve recurring servicing questions efficiently.
• Leverage approved AI-assisted workflows for document review, disclosure comparisons, and matter triage while maintaining appropriate verification and confidentiality safeguards.

Requirements:

• J.D. degree and active bar membership in at least one U.S. jurisdiction; California admission is preferred, with eligibility for in-house practice in the state of domicile.
• 7+ years of legal experience in mortgage or consumer finance, gained in-house, at a law firm, or through a combination of both.
• Meaningful hands-on experience advising on residential mortgage or other real estate-secured consumer finance servicing matters.
• Demonstrated experience resolving title, lien-priority, recording, or lien-perfection issues, with knowledge of title insurance and state-by-state legal variations.
• Familiarity with servicing operations, subservicers, outside counsel, and legal proceedings affecting real estate collateral.
• Knowledge of foreclosure and enforcement procedures in both judicial and non-judicial states, including redemption periods and surplus funds, is advantageous.
• Working knowledge of key consumer finance and mortgage regulations, including RESPA/Regulation X, TILA/Regulation Z, FDCPA/Regulation F, FCRA, ECOA/Regulation B, TCPA, SCRA, GLBA, UDAAP, state UDAP laws, and state servicing, licensing, and debt collection requirements.
• Ability to assess how regulatory requirements apply to emerging or novel consumer financial products and translate them into clear, practical operational guidance.
• Experience retaining and directing external and local counsel while managing scope, deadlines, and budgets across multiple matters.
• Strong ownership and problem-solving skills, with the ability to communicate legal advice in plain language and provide actionable recommendations.
• Sound judgment and attention to detail when operating in a fast-moving, highly regulated environment.
• Ability to identify when an issue requires deeper legal analysis, specialist expertise, or escalation.
• Preferred experience includes default servicing, foreclosure, bankruptcy, loss mitigation, title claims, or supporting a new consumer financial product through operational development.
• Experience building legal playbooks, templates, intake processes, and service levels within a scaling legal organization is a plus.
• Familiarity with legal AI tools and their use in an in-house environment is preferred.

Benefits:

• Tier 1 annual base salary: $211,850–$234,150 for the San Francisco Bay Area, New York, and Seattle.
• Tier 2 annual base salary: $190,000–$210,000 for Austin, Boston, Chicago, Denver, Los Angeles, Miami, Philadelphia, Portland, Sacramento, San Diego, Santa Barbara, and Washington DC.
• Tier 3 annual base salary: $176,700–$195,300 for all other U.S. metro areas.
• Potential additional compensation through equity, benefits, and other perks.
• Compensation determined based on skills, experience, geographic location, and other job-related factors.
• Comprehensive medical, dental, and vision coverage, with FSA and HSA options.
• Unlimited paid time off and 10 company holidays.
• Fully remote work environment, with access to an in-person headquarters environment in Palo Alto, California.
• Fully paid parental leave, including supplemental pay to reach 100% of regular base pay during eligible state Paid Family Leave, plus additional paid leave.
• Up to 8 weeks of paid parental leave in states without Paid Family Leave.
• Four weeks of fully paid transition time, allowing employees to work 2–3 days per week while receiving full base pay.
• Meaningful equity participation.
• 401(k) retirement plan, guaranteed life insurance, and short- and long-term disability coverage.
• Monthly stipends for internet, mobile plans, and wellness expenses.
• One-time home office reimbursement.
• Company-provided equipment, including a MacBook and monitor.
• Candidates must reside in an eligible U.S. state of operation.