Commercial Underwriting Counsel
CRC Insurance Services
Senior Associate General Counsel
American AgCredit
full-time
Posted on:
Location Type: Remote
Location: Remote • California, Colorado, Hawaii, Kansas, Nevada, New Mexico • 🇺🇸 United States
Visit company websiteSalary
💰 $160,172 - $288,310 per year
Job Level
Senior
Tech Stack
Go
About the role
- Provide legal counsel and support on all legal matters relating to structuring, documenting, and closing of loans, loan servicing, restructuring, collection, and other related matters.
- Contribute to the overall Association success working on a wide variety of issues and projects related to the Association’s legal and business matters.
- Provide support for entire Go to Market teams in connection with the making and servicing of retail, commercial, corporate, capital markets, and/or agribusiness loans, including, without limitation, participating in deal team meetings and discussions, providing counsel and advice on proper loan structure based upon loan purpose and borrower make-up, loan document content, Borrower Rights issues, regulatory issues and various other legal issues as they arise.
- Serve as an integral part of the deal teams to review and assist with the preparation of complex loan documents when necessary, assist with the modification of loan documents when necessary, review non-routine loan servicing and documentation items, oversee and manage outside counsel through borrower bankruptcies, restructures and collections, provide guidance on loan restructures and workouts, and prepare or assist with loan workout and restructure documentation.
- Research and provide Farm Credit System borrower and collateral eligibility opinions, conduct title analysis and evaluations of title insurance documentation, review and evaluate other customer documentation as necessary, and review and analyze borrower entity structure as needed. Must understand complex corporate structures, private equity sponsored deals, and the sophisticated financing packages and needs of Association customers.
- Must carry out duties independently yet work effectively, cohesively and cooperatively as a team member. Duties must be carried out while balancing conflicting priorities to meet demanding time frames.
- Provide guidance, training and leadership to legal department peers and projects.
- With the support of the Human Resources Department, prepare and provide legal training to Association staff regarding various topics ranging from FCA Regulations and other applicable legal authorities to loan and file documentation best practices as needed.
- Participate and serve on various committees and work groups as assigned.
- Perform additional duties, projects and research as assigned by the General Counsel or Deputy General Counsel.
Requirements
- Bachelor's Degree.
- Juris Doctorate Degree.
- Admission to practice law in California, Colorado, Kansas, Hawaii, New Mexico or Nevada preferred; other state admissions will also be considered.
- At least twelve years increasingly complex legal experience including lender/creditor rights, real and personal property laws, mortgage/secured and unsecured transactions, real estate loan restructuring, private equity lending and dynamics, complex commercial lending, including multi-lender transactions, asset-based lending, acquisition financing, and related areas of expertise.
- Considerable experience with Merger and Acquisition transactions.
- Exceptional oral and written communication skills.
- Ability to understand and align with the Association’s customer service philosophy, including the commitment to quality, timeliness, and production standards.
- Ability to understand, accept, and operationalize the Association’s credit culture, culture of innovation and business risk appetite.
- Ability to effectively work and communicate with customers, all levels of employees, outside counsel and other outside parties and entities.
- Ability to quickly analyze complex factual situations, whether presented orally or in writing, to identify the legal issues and business risks, apply the relevant law to the facts, and advise accordingly, both in writing and verbally.
- Ability to draft loan documentation for complex lending transactions, to reflect the transaction negotiated by the business.
- Ability to prioritize heavy workload to accomplish multiple tasks on a timely basis.
- Knowledge of a variety of complex areas of law, including the Farm Credit Act and Regulations; Truth-in-Lending Act, Equal Credit Opportunity Act, Real Estate Settlement Procedures Act, Fair Credit Reporting Act, Fair Housing Act, and regulations promulgated thereunder; Office of Foreign Assets Control regulations, National Flood Insurance Program requirements and general real property, commercial banking, title insurance, bankruptcy, environmental, water rights, and litigation principles.
- Strong research, critical and strategic thinking, negotiation and problem-solving skills
Benefits
- Commitment to agriculture and the communities we serve
- Family friendly work environment
- Investment in employee development
- Medical, Dental and Vision coverage
- Outstanding 401k – automatic 3% employer contribution, plus match up to 6%
- Generous Paid Time Off (Vacation accrued at 26 days annually, Sick Days accrued at 15 days annually, 12 paid holidays, plus 16 hours of volunteer time)
- Competitive Incentive Compensation Plan
- Disability & Life Insurance
- Employee mental, physical, and financial wellness programs
Applicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard skills
Juris Doctorate Degreelegal experiencelender/creditor rightsreal and personal property lawsmortgage transactionssecured transactionsunsecured transactionsloan documentationMerger and Acquisition transactionscomplex commercial lending
Soft skills
oral communication skillswritten communication skillscustomer service philosophyability to prioritize workloadnegotiation skillsproblem-solving skillscritical thinkingstrategic thinkingteam collaborationleadership
Certifications
Admission to practice law in CaliforniaAdmission to practice law in ColoradoAdmission to practice law in KansasAdmission to practice law in HawaiiAdmission to practice law in New MexicoAdmission to practice law in Nevada
