Product Counsel, Credit Job at Block (Bay Area)

Senior Lead Counsel - Product

The Senior Lead Counsel II is a senior level position responsible for serving as...

Location

United States , New York

Salary:

170000.00 - 300000.00 USD / Year

Citi

Expiration Date

Until further notice

Requirements

Must have experience in structured finance, securitizations, lending facilities and derivatives
Should have experience in a broad range of asset-backed products, including auto loans, consumer loans, credit cards, trade receivables and CLOs, preferably with global exposure
Must be collaborative
10+ years of relevant industry experience with some experience working in an in-house legal role in financial services
NY Bar license in good standing to practice law
Proven ability to apply sound judgement while managing multiple assignments simultaneously in a demanding, fast-paced environment
Comprehensive knowledge of international, multi-jurisdictional laws, regulations and practices while staying abreast of regulatory and legal environment, internal policies and industry trends that impact the Business
Experience with complex deals, demonstrated ability to analyze issues and develop legal solutions
Effective communication and negotiation skills and ability to build and maintain trusted relationships
Experience in working with regulators/regulatory bodies is preferred

Job Responsibility

Responsible for providing legal counsel to the Business, supporting strategic initiatives, providing subject matter expertise and interpretations of relevant laws, rules, regulations, and industry practices, and advising business management/leadership on all manner of legal matters and risks impacting the business
Provides advisory services in respect of business decisions by applying institutional knowledge against industry standards, widely accepted business practices, laws, rules, and regulatory guidelines, escalating where appropriate
Collaborates across internal lines of business and control/support functions to achieve coordinated and efficient outcomes on matters of common interest
coordinate closely with the Legal team on a regional and global basis
Serves as business partner and advisor to business stakeholders and functional partners (e.g., Risk, Compliance) by participating in planning and development initiatives
contribute to business objectives by using knowledge of industry, laws, and regulations
Actively participates in various risk reviews, governance and control forums while demonstrating keen awareness of issues that could cause financial, reputational, or legal consequences
Proactively identifies, evaluates and contributes to the appropriate management of legal, regulatory, and reputational risk through cross-function collaboration, following relevant legal developments, participating in internal projects, and escalating as appropriate
Manages day-to-day legal activities as a subject matter expert in area of responsibility and provide senior advisory services to business partners
Negotiates, coordinates, and monitors management of complex legal issues and make key decisions within area of responsibility, escalating where necessary

What we offer

Medical, dental & vision coverage
401(k)
Life, accident & disability insurance
Wellness programs
Paid time off packages including planned time off, unplanned time off and paid holidays

Fulltime

Consumer Banking Counsel

Join Our Team as an Attorney at Axiom. We are seeking a Consumer Banking Counsel...

Location

United States , New York

Salary:

104500.00 USD / Year

Axiom Law

Expiration Date

Until further notice

Requirements

6+ years of experience in consumer banking, consumer finance, or financial services regulatory matters
Strong experience with consumer credit card products and related regulatory frameworks
Experience handling consumer disputes, complaint resolution, and credit reporting issues, including FCRA compliance
Knowledge of collections practices and regulatory compliance for consumer credit products
Experience advising on vendor oversight and third-party risk management in financial services environments
Familiarity with consumer deposit products and related regulatory considerations
Juris Doctor (JD) and licensed to practice law in New York
Strong communication, problem-solving, and stakeholder management skills

Job Responsibility

Provide legal guidance on consumer banking and consumer finance matters, including credit card and deposit products
Advise clients on consumer credit card regulatory and compliance issues, including program governance and operational risk
Manage consumer product disputes and complaint resolution, including issues related to billing disputes and cardholder protections
Provide counsel on Fair Credit Reporting Act (FCRA) matters, including reporting obligations, disputes, and compliance requirements
Support clients in collections practices and regulatory compliance related to consumer lending and credit products
Advise on vendor oversight and third-party risk management related to consumer banking programs and servicing providers
Collaborate with internal legal, compliance, operations, and product teams on consumer credit programs and regulatory frameworks
Assist with compliance for automotive consumer finance and retail installment credit programs where applicable
Monitor regulatory developments impacting consumer financial services, and provide proactive legal guidance to mitigate risk

What we offer

health, dental, and vision insurance
paid holidays and PTO
flexible work arrangements
professional development opportunities and tools

Fulltime

Securities Advisory & Trading Specialist

Our Wealth Markets Group is dedicated to providing bespoke, institutional-grade ...

Location

United Kingdom , London

Salary:

Not provided

Citi

Expiration Date

Until further notice

Requirements

Good track record of progressive execution and advisory experience within financial services, with a significant portion dedicated to private client wealth management and demonstrable leadership in Fixed Income
Proven track record of actively delivering and executing across equity, fixed income, and credit products, including specific expertise with equity derivatives and light exotic products (e.g., listed derivatives, delta one, OTC accumulators, barrier options)
Demonstrable experience in client origination and relationship management for high-net-worth private clients and family offices
Bachelor's/University degree required
Master's degree preferred
RDR Level 4 minimum required
Expert commercial awareness and a proactive mindset, with the ability to identify client needs and match them to service delivery capabilities
Deep understanding of financial market developments and their application to private wealth strategies, with advanced knowledge of Fixed Income market mechanics and valuation
Excellent interpersonal and communication skills essential for effective engagement with internal staff and external clients
Strong IT skills essential, with an ability to assist in the development and improvement of trading platforms

Job Responsibility

Serve as the leading Fixed Income specialist for the desk, driving advanced advisory and trading solutions, and setting strategic direction within this asset class
Achieve significant P&L and revenue targets from Fixed Income mandates, employing sophisticated trading, hedging, and client-focused strategies
Provide authoritative market commentary, in-depth research, and actionable trade ideas that influence both internal desk positioning and client investment decisions in Fixed Income
Directly manage and aggressively grow a dedicated client base of 20-30 long-term accounts consisting of high-net-worth private clients and family offices, ensuring comprehensive advisory and execution across Fixed Income, Equities, Derivatives, and Credit products
Deliver expert advice and execute effectively on Equities (cash, listed derivatives, OTC exotic products) and Credit products, demonstrating a strong understanding of their market dynamics and client applications
Drive both internal and external sales initiatives, leveraging deep product knowledge to cross-sell and up-sell across all asset classes within the firm and to our client base
Actively market, originate, and close complex investment proposals and new account pitches as a core member of the integrated client team
Deliver expert ideas and investment strategy recommendations for private clients, integrating insights from Citi Research and CPB research functions across all covered products
Maintain a rigorous risk management approach with clients on their exposures, ensuring alignment with client risk tolerances and firm-wide standards across all asset classes
Appropriately assess risk in all business decisions, demonstrating particular consideration for the firm's reputation and safeguarding Citigroup, its clients, and assets

Fulltime

Relationship Manager Sr - CRE

The Relationship Manager Sr - CRE Specialty manages commercial real estate loan ...

Location

United States of America , Houston

Salary:

142561.50 - 222200.00 USD / Year

Flagstar Bank

Expiration Date

Until further notice

Requirements

Education level required: Undergraduate Degree (4 years or equivalent) in business, finance or related field
Minimum experience required: 10+ Years of experience as a Commercial Lending Relationship Manager and/or commercial lending sales
Some experience in commercial credit may substitute for production experience
Credit training preferred
Expert knowledge of commercial lending credit, underwriting and loan structuring skills
Expert analytical skills to understand financial and cash flow analyses
Highly developed negotiation skills in addition to excellent verbal and written communication skills
Experience utilizing a calling strategy to actively call on prospects/clients and establish a personally-developed network of clients and potential clients to source deals through various centers of influence
Computer proficiency in Microsoft Office applications including
Word and Excel

Job Responsibility

Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio through timely financial statement gathering, monitoring client's compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels
Ultimately responsible for managing the banks risk exposure to acceptable levels
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately
Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Analyzes and resolves problems
May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements

What we offer

Medical
Dental
Vision
Life
Disability insurance
Comprehensive leave program

Fulltime

Sr. Corporate Counsel – Commercial/Product Transactions (Financial/B2B Products)

T-Mobile has an exciting opportunity for a bright, pragmatic, “business first” t...

Location

United States , Bellevue; Overland Park

Salary:

144100.00 - 260000.00 USD / Year

T-Mobile

Expiration Date

Until further notice

Requirements

A U.S. law degree, with admission to at least one state bar in good standing
7+ years of relevant experience, including substantial experience in-house and/or at a law firm drafting and negotiating complex commercial agreements
Demonstrated ability to critically manage a large portfolio of work and manage to KPIs
Keen pragmatic business sense with solid judgment and analytical skills, including the ability to translate the needs of senior leaders into action
Proven ability to excel working cross-functionally with multiple clients in a fast-paced environment
Ability to work independently and efficiently to meet demanding deadlines
Client-oriented interpersonal skills
Top-tier oral and written communication skills
Impeccable attention to detail and strong sense of pride in work product
At least 18 years of age

Job Responsibility

Advise on contracts at all stages of the product development lifecycle (ideation through EOL)
Lead drafting, review, and negotiation of complex commercial agreements, including: B2B product development and resale transactions: trial agreements, MSAs, order forms/SOWs, amendments, renewals, remediation agreements, and termination/wind-down/transition assistance provisions for third-party products T-Mobile resells
Financial products contracts, e.g., banking, credit card, and program partnerships
Technology and services transactions that enable these portfolios: SaaS/hosted services, integrations/APIs, security tooling, professional and managed services, and strategic vendor arrangements supporting product development and commercialization
Structure and negotiate risk allocation frameworks, including liability regimes (limitations of liability, indemnities, special damages, insurance requirements)
Ensure agreements accurately reflect business objectives while minimizing legal, operational, financial, reputational, and security risk, with particular focus on: Data and security terms (data rights/use restrictions, breach notification, subcontractor controls, retention, audit evidence needs)
Performance and operations terms (SLAs, service credits, support responsibilities, implementation milestones, service continuity, and disaster recovery)
Commercial terms (pricing models, variable/volume-based fees, audit rights, benchmarking, MFN/most-favored provisions, termination rights, and transition assistance)
Flow-down alignment between upstream vendor obligations (warranties/SLAs/credits/IP/data/security) and downstream customer commitments in sales channels for resale offerings
Governance dependencies common in financial products (TPRM, InfoSec, Privacy, Compliance, Accounting/Controls) and disciplined early alignment to prevent late-stage escalations

What we offer

Competitive base salary and compensation package
Annual stock grant
Employee stock purchase plan
401(k)
Access to free, year-round money coaches
Medical, dental and vision insurance
Flexible spending account
Paid time off and up to 12 paid holidays
Paid parental and family leave
Family building benefits

Fulltime

Senior Relationship Manager - Commercial Real Estate

As Senior Relationship Manager for CRE Specialty, you'll own complex commercial ...

Location

United States , Miami Beach

Salary:

142561.50 - 222200.00 USD / Year

Flagstar Bank

Expiration Date

Until further notice

Requirements

Education level required: Undergraduate Degree (4 years or equivalent) in business, finance or related field
Minimum experience required: 10+ Years of experience as a Commercial Lending Relationship Manager and/or commercial lending sales
Some experience in commercial credit may substitute for production experience
Expert knowledge of commercial lending credit, underwriting and loan structuring skills
Expert analytical skills to understand financial and cash flow analyses
Highly developed negotiation skills in addition to excellent verbal and written communication skills
Experience utilizing a calling strategy to actively call on prospects/clients and establish a personally-developed network of clients and potential clients to source deals through various centers of influence
Computer proficiency in Microsoft Office applications including
Word and Excel
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights

Job Responsibility

Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio through timely financial statement gathering, monitoring client’s compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels
Ultimately responsible for managing the banks risk exposure to acceptable levels
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately
Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Analyzes and resolves problems
May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements

What we offer

medical
dental
vision
life
disability insurance
comprehensive leave program

Fulltime

CRE Relationship Manager Sr

The Relationship Manager Sr - CRE Specialty manages commercial real estate loan ...

Location

United States of America , San Francisco

Salary:

Not provided

Flagstar Bank

Expiration Date

Until further notice

Requirements

Undergraduate Degree (4 years or equivalent) in business, finance or related field
10+ Years of experience as a Commercial Lending Relationship Manager and/or commercial lending sales
Some experience in commercial credit may substitute for production experience
Expert knowledge of commercial lending credit, underwriting and loan structuring skills
Expert analytical skills to understand financial and cash flow analyses
Highly developed negotiation skills in addition to excellent verbal and written communication skills
Experience utilizing a calling strategy to actively call on prospects/clients and establish a personally-developed network of clients and potential clients to source deals through various centers of influence
Computer proficiency in Microsoft Office applications including
Word and Excel
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights

Job Responsibility

Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio through timely financial statement gathering, monitoring client’s compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels
Ultimately responsible for managing the banks risk exposure to acceptable levels
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately
Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Analyzes and resolves problems
May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements

What we offer

Flagstar provides teammates access to a variety of benefits including medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program

Relationship Manager Sr - CRE

The Relationship Manager Sr - CRE Specialty manages commercial real estate loan ...

Location

United States of America , Houston

Salary:

Not provided

Flagstar Bank

Expiration Date

Until further notice

Requirements

Undergraduate Degree (4 years or equivalent) in business, finance or related field
10+ Years of experience as a Commercial Lending Relationship Manager and/or commercial lending sales
Some experience in commercial credit may substitute for production experience
Expert knowledge of commercial lending credit, underwriting and loan structuring skills
Expert analytical skills to understand financial and cash flow analyses
Highly developed negotiation skills in addition to excellent verbal and written communication skills
Experience utilizing a calling strategy to actively call on prospects/clients and establish a personally-developed network of clients and potential clients to source deals through various centers of influence
Computer proficiency in Microsoft Office applications including
Word and Excel
Demonstrates a strong ability to build and maintain effective relationships with stakeholders by communicating clearly, engaging in proactive collaboration, and leveraging cross functional insights. Aligns relationship building efforts with enterprise goals to accelerate performance and drive strategic results

Job Responsibility

Develops and maintains relationships to generate direct deal flow
Coordinates the team approach to approving and closing new deals to grow assets and revenues while optimizing profitability (ROE)
Works with assigned portfolio managers, engage with sponsors and borrowers on idea generation and relevant opportunities to expand our relationship
Works with assigned portfolio managers to ensure pro-active monitoring of the credit quality of the portfolio through timely financial statement gathering, monitoring client’s compliance with ongoing required reporting, properly analyzing financial information and taking or recommending appropriate corrective actions based on acceptable levels
Ultimately responsible for managing the banks risk exposure to acceptable levels
Collaborating with Credit team and outside counsel as needed to prepare credit approval documents and managing onboarding process to ensure transactions are booked appropriately
Stays abreast of industry trends and market conditions that could impact the assigned portfolio of relationships and borrowers
Uses independent judgement and discretion to make decisions
Analyzes and resolves problems
May be responsible for talent management functions including: employment, performance evaluations, staff development/training, disciplinary actions, succession planning and ensuring all staff comply with compliance requirements

What we offer

medical, dental, vision, life, and disability insurance, as well as a comprehensive leave program

Fulltime

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