Senior Counsel providing legal advice on indirect lending in a regulated banking environment at Huntington. Required 5+ years of experience in in-house legal department or related field.
Responsibilities
Provide prompt, proactive, practical and sometimes complex and/or specialized legal advice to business lines in a highly regulated banking environment on a variety of legal matters to support Huntington Vehicle Finance
Interpret laws, regulations and other regulatory guidance and advise on applicability to indirect lending and the origination, servicing and collection of indirect lending loans, including include ECOA/Reg. B, FCRA/ Reg V, SCRA, MLA, TILA/Reg. Z, UCC/UCCC UDAAP, E-Sign/UETA, FDCPA, state debt collection laws, and other state laws that impact indirect lending
Monitor and interpret pertinent federal and state legal and regulatory developments and communicate any changes to Consumer Finance
Partner with Consumer Finance, technology, operations, marketing, communications, compliance and risk to develop and launch new products/services to meet our customers’ evolving needs
Draft, review and revise customer agreements, disclosures, forms, and letters
Support and guide Consumer Finance to appropriately identify, analyze, mitigate, and manage legal, operational, compliance, reputation, and other risks in accordance with applicable laws, regulations, guidance, policies and procedures
Provide legal advice and counsel to support Consumer Finance in connection with implementation of its business strategy
Provide prompt and responsive counsel, while handling multiple assignments in a deadline-intensive environment
Provide legal support for regulatory examinations or other reviews of Huntington Vehicle Finance
Requirements
Bachelor’s Degree and Juris Doctorate
Attorney should be eligible to be licensed in the state where the job will be located or in any state with the ability to be admitted into state where job will be located
5 + years of practicing law in an in-house legal department of a financial institution, a bank regulatory agency, or law firm focused on consumer financial services and products
Extensive working knowledge of federal and state lending, servicing and collection laws and regulations applicable to indirect lending through dealerships
Some knowledge of powersports or outdoor power equipment industry a plus
Some knowledge of Original equipment manufacturers and incentive financing offers a plus
Ability to handle complex legal issues and tasks with limited supervision but seek management input on unusual situations, highly complex issues, and matters that may pose significant legal, financial and/or reputational risk to Huntington
Demonstrated leadership skills and a strategic mindset
Strong interpersonal skills, collegial attitude, and excellent written and verbal communication skills
Ability to quickly apply abstract concepts of law and make quick, innovative decisions to resolve issues in support of strategic business initiatives and objectives in a practical, understandable way that balances legal risk and business objectives
Ability to effectively advise executive and senior management regarding complex legal matters and challenging situations
Ability to think independently, being mindful of maintaining an appropriate balance between management and mitigation of legal risks and business efficacy, exercising good business acumen, being solution-oriented and problem-solving creatively
Ability to take a risk-based approach to prioritize workload and adapt work style to meet complex and varied workloads and the need for a timely decision given business pressures
Ability to develop and maintain positive, professional, and collaborative relationships with colleagues in the Legal Department and risk partners, including Compliance, Risk, and Audit, to effectively manage risk across the enterprise
Highly motivated self-starter with demonstrated growth mindset and passion for learning
Rigorous attention to detail with the ability to think creatively about unique issues
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