Counsel - General Bank Lending (Commercial and Consumer)

2 weeks ago

Morristown NJ US First Citizens Bank Full time

Overview

In this role, you will be part of the Bank Operations legal support team, which provides counsel to the Bank's general bank franchise, which includes over 500 full-service branches in 22 states and a wide array of business and industry financial services. The primary focus of your role as the Counsel-General Bank Lending attorney will be to provide legal advice on commercial lending and real estate matters and SBA lending arising from the general bank (75% of job responsibilities); and provide legal advice on consumer lending and consumer mortgage related matters arising from the general bank franchise (25% of job responsibilities). You will work with business and corporate support teammates on all aspects of drafting, reviewing, negotiating, and revising a variety of complex commercial lending transactions and related documentation as well as documentation pertaining to other types of permanent and construction loan financing for a broad range of project types. You will also work with business and corporate support teammates on all aspects of drafting, reviewing, negotiating, and revising consumer lending/consumer credit transactions and related documentation including mortgage, auto, HELOCs, credit cards, unsecured lending, and a wide variety of other mortgage and non-mortgage consumer lending products. You will advise on federal and state-specific commercial and consumer disclosures and documentation issues and provide guidance on related federal and state regulatory issues and lending requirements for a broad range of commercial and consumer products offered in the bank's branch footprint and non-branch footprint states. You will be reviewing and commenting on all the transaction documents, including ancillary and collateral documents, and negotiating with our borrowers, their external attorneys, and other financial entities in commercial and consumer transactions. You will also work on other Bank Operations team projects as the need arises that include supporting consumer deposit and lending products, commercial deposit products, payments products, private banking/wealth management products, and support of industry-specific initiatives.

You will be expected to be a "go to" person who develops and maintains a strong knowledge of commercial and consumer lending best practices and related laws, regulations, and business operations. You will be a company leader located in the bank's Legal Department, a high-energy group of legal professionals dedicated to exceptional client service, value, and trustworthy advice to enable the bank's business.

This is a HYBRID position - 3 days a week in office in Raleigh, Charlotte, or Morristown, NJ.

Responsibilities

  • Strong working knowledge of commercial real estate finance and willingness to work on several types of commercial real estate, construction loan, and other commercial lending transactions. Also, strong working knowledge to support originations of SBA 7a, SBA 504 and USDA loans consistent with Bank policy and SBA Standard Operating Procedure (SOP) or USDA guidelines.
  • Strong working knowledge of commercial real estate lending issues involving title insurance, surveys, zoning, flood, casualty/liability insurance, licensing, non-recourse carveouts, syndication, and market standards.
  • Strong working knowledge and experience with Commercial Loan Agreements, Loan Modification Agreements, Note Modification Agreements, Loan Assumption Agreements, DACAs, Mortgages, Deeds of Trust, Covenants, and Borrower Documentation Review (such as Borrower Acknowledgments and Borrower Compliance Certifications).
  • Strong working knowledge of consumer lending/finance laws and willingness to work on a variety of consumer product and service-related issues pertaining to mortgage, auto, HELOC, ARM, secured and unsecured loans, and credit cards.
  • Strong working knowledge of state specific laws and federal laws and regulations applicable to consumer lending, including the Truth in Lending Act, the Equal Credit Opportunity Act, the Fair Credit Reporting Act, the Military Lending Act, and the Servicemembers Civil Relief Act.
  • Providing advice on liens and priorities of mortgage and other security instruments.
  • Providing advice on underwriting and credit questions.
  • Leading projects to develop or refresh bank 'form documents,' credit manuals, and standard operating policies and procedures.
  • Interacting successfully with all functions and levels of associates, including senior management.
  • Partnering with other business leaders to resolve problems, develop solutions, and deliver team results across organizational borders.
  • Managing outside counsel.
Qualifications

Juris Doctor Degree from accredited institution and at least 6 years of commercial and consumer lending experience in a law firm, in-house legal department, or a combination thereof.

Preferred Qualifications:

        • Banking or financial services experience.
        • Experience in a leading law firm or corporate legal department, with a focus on commercial real estate financing transactions, consumer credit transactions, mortgage secured real estate financing, construction lending, and other commercial/consumer lending matters.
        • Experience advising on bank regulatory matters and compliance as it relates to secured and unsecured lending transactions.
        • Experience drafting and reviewing commercial loan transactions, consumer loan transactions, loan document negotiations, loan structuring, and various lending documentations.
        • Active membership and good standing in your state bar.
        • Experience working in support of high-level, strategic leaders.
        • Strong academic credentials.
        • Attention to detail.
        • Experience managing projects and processes.


Additional Requirements:

      • Must work well under pressure and independently.
      • Must be able to manage multiple inquiries and varied projects simultaneously.
      • Excellent interpersonal and written communication skills.
      • Strong personal organizational skills.
      • Problem solving skills.
      • Collaborating with others in a team-first environment.
      • Strong Microsoft Office capabilities and ability to implement and learn new software applications.

  • Business Development

    1 week ago

    Morristown, United States First Citizens Bank Full time

    OverviewFirst Citizens Equipment Finance is a full-service, vendor-centric lending/leasing business unit. We provide a wide array of lending and leasing products/solutions to customers ranging in size from small/medium businesses to enterprise entities through its affiliation/alignment with OEM equipment vendors, their distributors, resellers, and dealers. ...

  • Business Development

    7 days ago

    Morristown, United States First Citizens Bank Full time

    OverviewFirst Citizens Equipment Finance is a full-service, vendor-centric lending/leasing business unit. We provide a wide array of lending and leasing products/solutions to customers ranging in size from small/medium businesses to enterprise entities through its affiliation/alignment with OEM equipment vendors, their distributors, resellers, and dealers. ...

  • Property & Casualty Insurance– Commercial Sales Producer

    3 days ago

    Fair Lawn, NJ, United States Columbia Bank Online Full time

    Location(s):        Northern New Jersey Description:     The P&C Insurance – Commercial Sales Producer will be responsible for developing and managing an active pipeline through seeking out prospects, calling on potential clients, conducting in depth needs analysis/risk assessments, developing ideas for meeting their needs, presenting information on...

  • Assistant Vice President, Leasing Counsel

    5 days ago

    Morristown, United States Simon Property Group Inc Full time

    Job Location: Corporate Morristown Job Description Seeking an experienced commercial real estate attorney for the position of AVP, Leasing Counsel to be part of the Legal Leasing management team reporting to the Vice President, Leasing Counsel. PRIMARY PURPOSE: The AVP, Leasing Counsel position calls for a seasoned professional who takes a thoughtful...

  • Director Investment Operations

    1 week ago

    Morristown, NJ, United States CIT Full time

    OverviewThe Director of Investment Operations is a key leader in the Global Finance Organization and is responsible for overseeing the Investments Operations Team which is comprised of Middle Office and Back Office.  Investment Operations Middle Office and Back Office support multiple trading desks such as Treasury, Commercial Finance Capital Markets, and...

  • Commercial Marketing Strategist

    6 days ago

    Morristown, United States Insight Global Full time

    One of Insight Global's leading clients in the banking space is hiring a Commercial Marketing Strategist (B2B) to work in a hybrid environment from one of the bank's corporate locations in Morristown, NJ, New York, NY or Clearwater, FL. The Commercial Marketing Strategist is responsible for defining strategy and overseeing the design and execution of B2B...

  • Network Security Engineer

    7 days ago

    Carrollton, TX, US Crescent Bank Full time

    The Network Security Engineer is responsible for designing, implementing, and maintaining robust network security solutions to protect our organization's digital infrastructure from cyber threats. The Network Security Engineer will lead efforts to assess, plan, and execute security measures to safeguard our networks, systems, and data assets and collaborate...

  • General Commerical Cleaner

    1 week ago

    Morristown, United States AtWork Group Full time

    We have a UNIQUE General Commercial Cleaning position! This is a direct hire position with a GROWING company! Must be able to travel surrounding areas. Job Summary: Candidate will be responsible for maintaining cleanliness and hygiene standards in commercial and industrial settings. This position requires attention to detail, efficiency, the ability to work...

  • General Commerical Cleaner

    3 weeks ago

    Morristown, United States AtWork Group Full time

    We have a UNIQUE General Commercial Cleaning position! This is a direct hire position with a GROWING company! Must be able to travel surrounding areas. Job Summary: Candidate will be responsible for maintaining cleanliness and hygiene standards in commercial and industrial settings. This position requires attention to detail, efficiency, the ability to work...

  • Director Treasury

    1 week ago

    Morristown, NJ, United States CIT Full time

    OverviewThe Director - Liquidity Risk Management is responsible for managing liquidity risk across the firm in a consistent and transparent manner and within well-established risk appetite. The individual partners with businesses and functions across the firm to establish and implement initiatives to improve FCB’s liquidity profile and related risk...

  • General laborer

    3 weeks ago

    Morristown, United States National Flood and Fire Network Full time

    Job DescriptionJob DescriptionNational Flood and Fire Network is seeking an disaster restoration general laborer for an exciting new opportunity. No experience in the industry is required but would be beneficial. Be part of the team that will be reshaping the future of our industry. We are looking for a professional with a strategic mind that can bridge...

  • Director Audit

    4 days ago

    Morristown, NJ, United States CIT Full time

    OverviewThis position manages and implements the audit plan for assigned Bank Divisions and provides strategic and tactical insight into the Bank's business practices. Supports the strategic development and implementation of operational policies and procedures with Internal Audit to protect organizational assets while ensuring compliance with regulations....

  • Credit Supervisor

    5 days ago

    Morristown, United States Performance Food Group Full time

    Job Description Are you looking for a company to grow with? Do you have experience managing credit terms? Do you want to learn more about managing the credit for a local division of a Fortune 500 company? All this is possible with our local division of Performance Foodservice - Hale. We have a wonderful opportunity to have someone join our team and grow...

  • General Workroom Help/Sewing Machine Operator/No Experience Required

    3 weeks ago

    Morristown, United States Regal Drapes LLC Full time

    Job DescriptionJob DescriptionWe seeking for a general workroom help who is an attentive, detailed oriented, hard working individual to operate an automated sewing machine. No experience necessary. We will train the right person. Sewing Machine Operator Qualifications:Innovative, thoughtful, and attentive to detail.Ability to manage your time...

  • Associate

    4 weeks ago

    Morristown, United States Porzio Bromberg & Newman Full time

    Job DescriptionJob DescriptionPorzio, Bromberg & Newman, P.C., seeks an associate to join its Litigation Practice Group in the Morristown, NJ office. In addition to solid academic credentials, candidates must have excellent research, writing, communication, and analytical skills, the ability to think and work independently, and be prepared to assume...

  • Category Manager

    4 days ago

    Jersey City, NJ, United States JP Morgan Chase Full time

    As a Category Manager covering software in our Corporate & Investment Bank and Asset & Wealth Management lines of business, you will play a key role in the firm’s continued modernization and journey to the cloud.  You will identify best-in-class software and SaaS suppliers, source products, and negotiate pricing and terms.  You will find and unlock value...

  • Registered Nurse

    4 days ago

    East Orange, NJ, US Brookhaven Center for Rehabilitation and Healthcare Full time

    Registered Nurse (RN)RATE: $35-$37BENEFITS:• Competetive Rates• Same Day Pay!!• Generous Sign-on Bonus!!• Refer a friend Bonus!!• Weekly Employee Appreciation Event- “Thankful Thursday”• Monthly Gift Giveaways!!• Exciting Attendance Program!!• Medical, Dental & Vision Insurance• Life Insurance• Disability Insurance• 401K• Holiday...

  • Registered Nurse

    6 days ago

    NORTH BERGEN, NJ, US Hudsonview Center for Rehabilitation and Healthcare Full time

    Registered Nurse (RN)RATE: $34- $38 PER HOURBENEFITS:• Competetive Rates• Same Day Pay!!• Generous Sign-on Bonus!!• Refer a friend Bonus!!• Weekly Employee Appreciation Event- “Thankful Thursday”• Monthly Gift Giveaways!!• Exciting Attendance Program!!• Medical, Dental & Vision Insurance• Life Insurance• Disability Insurance•...

  • PEPI: Manager, CFO Services

    3 weeks ago

    Morristown, Tennessee, United States Alvarez and Marsal Full time

    Description PEPI - CFO Services – ManagerOVERVIEW:A&M CFO Services work with private equity held portfolio companies and provide our clients with solutions to preserve and generate value for their businesses. Our goal is to improve transparency to key drivers and business performance, to support increasing cash and EBITDA, and to provide benefits through...

  • PEPI: Manager, CFO Services

    4 weeks ago

    Morristown, United States Alvarez and Marsal Full time

    Description PEPI - CFO Services – ManagerOVERVIEW:A&M CFO Services work with private equity held portfolio companies and provide our clients with solutions to preserve and generate value for their businesses. Our goal is to improve transparency to key drivers and business performance, to support increasing cash and EBITDA, and to provide benefits through...