About the RoleHappen Bank is seeking a Sr Corporate Counsel to provide strategic legal guidance and transactional support across our consumer lending partnerships and investor marketplace businesses. In this role, you'll draft and negotiate complex commercial agreements, advise on lending programs across home improvement, home equity, and auto lending, and support institutional loan sales and securitization transactions.
You'll partner closely with business leaders, Legal, Compliance, Finance, and other cross-functional teams to navigate complex transactions, manage legal risks, and enable responsible business growth in a fast-paced, regulated environment.
What You'll Do- Draft and negotiate complex commercial agreements with strategic partners, including lending platforms, networks, and referral partners, supporting Happen Bank's home improvement, home equity, and auto lending programs
- Develop and maintain standardized agreements, negotiation playbooks, and fallback positions that enable efficient, consistent onboarding of strategic partners
- Provide day-to-day legal guidance on lending program structures, new launches, product changes, partner performance, and disputes, helping business teams navigate legal risks and achieve business objectives
- Serve as a trusted legal advisor to Happen Bank's investor marketplace business, supporting investor onboarding, marketplace operations, and ongoing legal matters
- Draft and negotiate loan sale and servicing agreements and related documentation for sales of the Bank's consumer loans to institutional investors
- Partner with Capital Markets, Finance, Credit, and outside counsel to support securitization transactions
- Manage legal aspects of transactions throughout their lifecycle, including closing deliverables, amendments, investor inquiries, diligence requests, and repurchase or breach claims
- Develop and maintain a practical understanding of applicable legal and regulatory requirements for consumer lending, loan sales, and securitizations, including consumer protection, fair lending, privacy, and banking regulations, escalating matters to Regulatory Counsel and Compliance as appropriate
- Contribute to Legal Department and cross-functional initiatives, projects, and other business priorities as needed
About You- 6+ years of experience in corporate transactions, commercial contracting, securities, or a related legal practice, gained through law firm and/or in-house experience
- Juris Doctor (J.D.) degree and active membership in good standing with a state bar
- Strong legal drafting, negotiation, analytical, and problem-solving skills, with the ability to navigate complex commercial transactions and deliver practical, business-oriented legal advice
- Experience managing multiple transactions and competing priorities independently, with strong organization, attention to detail, and proactive deadline management
- Strong communication and relationship-building skills, including the ability to listen effectively, adapt your communication style, and influence stakeholders across different functions and levels
- Strong business judgment with the ability to understand how legal considerations intersect with commercial, operational, financial, and regulatory objectives
- You thrive in a fast-paced, evolving environment, approach challenges with curiosity and flexibility, and proactively identify solutions while taking ownership of outcomes
- Genuine interest in consumer lending, fintech, and emerging business models, with a willingness to learn new areas and contribute beyond your immediate responsibilities
- Strong proficiency with office productivity applications and other tools that support legal drafting, document management, and transactional workflows
- You have hands-on experience using AI tools to improve legal research, drafting, document review, diligence, and contract management, and you're comfortable sharing effective approaches with colleagues while applying sound judgment around accuracy, confidentiality, privilege, and appropriate human oversight
Nice to Have - Experience in a bank, lending company, or fintech
- Experience with consumer loan sales, securitizations, structured finance, or marketplace lending
- Familiarity with the regulatory framework for consumer lending, including TILA, FCRA, UDAAP, privacy, and applicable federal and state lending laws
Work Location San Francisco or Lehi
The above locations are eligible offices for this role. The locations have been determined to foster in-person collaboration with this role's team or the related business lines. We utilize a hybrid work model, and our teams are in-office Tuesdays, Wednesdays, and Thursdays. In-person attendance is essential for this role's success, and remote placement will not be considered. Happen Bank offers relocation, based on actual job level.
Time Zone Requirements Local hours (PT, MT)
While the position will primarily work local hours, Happen Bank is headquartered in Pacific Time and our ideal candidate will be flexible working across time zones when necessary.
Travel Requirements As needed travel to Happen Bank offices and/or other locations, as needed.
Compensation
The target base salary range for this position is 150,000-210,000. The base salary of the role will be determined by job-related knowledge, experience, education, skills, and location. Base salary is just one part of Happen Bank's Total Rewards package. You may also be eligible for long-term awards (equity) and an annual bonus (which is based on company performance, employee performance and eligible earnings).
We're creating new financial services solutions for our members based on fairness, simplicity, and heart, and we treat our employees the same way. We offer a competitive benefits package that includes medical, dental and vision plans for employees and their families, 401(k) match, health and wellness programs, flexible time off policies for salaried employees, up to 16 weeks paid parental leave and more.
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