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Core Competencies
Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Expertise in consumer loan servicing, collections, and default management, with a strong focus on regulatory compliance and legal guidance. Proven ability to develop and implement loss mitigation strategies and policies while navigating complex legal frameworks.
Highest-signal resume keywords
Consumer Loan ServicingRegulatory ComplianceLoss Mitigation StrategyFDCPA and TCPA ComplianceJuris Doctor Degree
ATS Keywords
Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Legal AnalysisPolicy DevelopmentContract NegotiationRisk MitigationCollections StrategyDefault ManagementRegulatory Examination ManagementConsumer Debt Collections LawsTitle and Lien ResolutionOperational Guidance
Soft Skills
Clear CommunicationCross-Functional CollaborationTime ManagementProblem SolvingTeamwork
Certifications & Qualifications
State Bar Membership
Industry Keywords
Reg X (RESPA)Reg Z (TILA)FDCPAUDAAPTCPAConsumer FinanceMortgage ServicingGSE/Agency Approved Seller-ServicerState Collections LawsAI Governance
About the role
Key responsibilities & impact- Serve as the dedicated legal resource for GoodLeap’s Servicing Team.
- Provide daily support and real-time operational guidance to the Servicing organization.
- Advise on loss mitigation programs, collections strategy, default management and regulatory compliance.
- Lead compliance analysis and policy development under Reg X (RESPA), Reg Z (TILA), FDCPA, UDAAP, TCPA, applicable state servicing and collections laws, and GSE and agency servicing guidelines.
- Draft, review, and maintain loss mitigation policies, collections strategies, and servicing procedures.
- Identify, assess, and mitigate legal and regulatory risks and advise on structuring current and new investment products and strategies.
- Monitor regulatory developments and advise on implementation of new rules affecting servicing and collections operations.
- Review and negotiate vendor contracts and SOWs supporting collections and default management functions.
- Partner with Capital Markets and Portfolio Management on servicing representations, covenants, and compliance requirements in asset sale and securitization transactions.
- Support regulatory examination management and respond to consumer complaints escalated through CFPB, state agencies, or litigation channels.
- Serve as the go-to legal representative for matters affecting serviced loan portfolios, customer communications, and servicing operations.
- Report to the Deputy General Counsel, Executive Vice President.
Requirements
What you’ll need- Minimum 10 years of experience as a practicing attorney, with substantial time spent in consumer loan servicing, collections or default management — ideally including in-house experience at a consumer finance and/or mortgage servicer or subservicer, GSE/agency approved seller-servicer and/or consumer finance lender.
- Deep working knowledge of servicing and consumer debt collections laws and practice and applicable state collections and foreclosure laws (e.g., FDCPA, TCPA, FCRA, UDAAP, TILA, RESPA, ECOA, etc.) and related title and lien resolution issues.
- Demonstrated experience advising on loss mitigation structuring and post-default strategy in a consumer finance, mortgage finance and/or home improvement lending context.
- Fluency in FDCPA and TCPA compliance for collections outreach, state collections licensing requirements and regulatory classification of collections operations.
- Familiarity with AI governance and emerging regulatory frameworks applicable to AI use in collections and financial services operations.
- Proven ability to deliver clear, operationally actionable legal guidance and to own and stand behind a legal position in a fast-paced business environment.
- Membership in applicable state bar in good standing.
- Juris Doctor degree from an ABA accredited law school.
- Able to juggle multiple workstreams under tight deadlines.
- Clear writing and verbal communication with business professionals and counsel.
- History of working well with business professionals, and with cross-functional teams (internal and external).