Associate General Counsel (Servicing & Title)

Point; United States; Hybrid; USD 190,000 - 270,000; Full time

Benefits offered by this job

Health Insurance

Generous Vacation

Continued Learning

Family Friendly benefits

Work From Home stipends

Job summary

Point seeks an experienced Associate General Counsel to be the primary legal partner for HEI servicing, from onboarding through defaults, exits, and maturity. You will advise on title, lien perfection, and consumer finance matters, coordinating with subservicers and compliance partners.

This role reports to the Deputy General Counsel and provides day-to-day guidance across Funding, Post-Closing, Servicing, and Investor Operations, including outside counsel management and playbook creation.

Qualifications

• 7+ years of experience practicing law in mortgage or consumer finance with hands-on advisory work.
• Deep knowledge of RESPA, TILA, FDCPA, FCRA, ECOA, UDAP, and state servicing and debt collection rules.
• Ability to translate regulatory requirements into practical operating guidance.

Responsibilities

• Provide day-to-day legal counsel to Servicing, Funding, Post-Closing, and Investor Operations teams.
• Manage outside counsel, budgets, scopes of work, and escalation paths for title, lien, and tax matters.
• Develop playbooks, templates, and self-service guidance for high-volume servicing questions.
• Advise on title, lien perfection, redemption timelines, bankruptcy, and loss mitigation.

Skills

Regulatory compliance

Mortgage/consumer finance law

Contract drafting

Cross-functional collaboration

Risk assessment

Education

J.D. and bar membership (US)

Job description

• Point is seeking an experienced Associate General Counsel to serve as the primary legal partner to the teams that manage Point’s home equity investment (HEI) product after origination
• This role is focused on the servicing side of the homeowner lifecycle, from onboarding through defaults, exits, and maturity
• This role reports to the Deputy General Counsel with direct access to the General Counsel and senior leadership on high-priority matters
• The Associate General Counsel, Servicing & Title will own day-to-day legal counseling for Point’s Funding, Post-Closing, Servicing, and Investor Operations teams
• Coverage includes servicing communications and disclosures, title and lien perfection questions and claims, contract administration, defaults, and the subservicers and title vendors that Point partners with to execute
• Point has built a substantial regulatory and compliance foundation for the HEI, and this role continues to expand that foundation
• Questions will surface that no one has answered before
• Serve as the primary legal contact for Servicing and homeowner operations across the post-origination lifecycle, from homeowner inquiries through exit administration and maturity
• Draft and maintain Point’s contract amendments, and own the state-by-state analysis that governs them, including recording and lien priority
• Review homeowner communications and notices, and maintain the matrix of applicable state disclosure and notice requirements in coordination with relevant legal and compliance partners
• Advise on vesting, transfers, trusts, estates, and capacity questions, and on cure mechanics when a transfer falls outside the agreement
• Partner with Product, Engineering, and Design on servicing features and the legal requirements that shape them
• Advise on title and lien perfection issues, including county rejections, corrective instruments, and state curative requirements
• Manage title claims with carriers from tender through resolution, including claim strategy and recovery efforts, and coordinate with the business on exposure
• Partner with Servicing and Point’s subservicers on escalations that need a legal read: senior-lienholder proceedings, tax sales, condemnation, and casualty claims
• Advise on consumer bankruptcy questions, including proofs of claim and communication during stay periods
• Advise on delinquent property taxes, including redemption timelines, per-file risk, and remediation
• Retain and direct outside counsel on title, collateral, and tax-sale matters; define clear scopes of work, critically evaluate advice and work product, and manage deadlines and budgets
• Support diligence, investor notice, and consent obligations where servicing or title facts drive the answer
• Build playbooks, templates, and self-service guidance so the business can resolve high-volume servicing questions on its own, and legal time goes to the harder calls
• Use AI-assisted workflows for document review, disclosure comparison, and matter triage, with approved tools, output verification, and confidentiality safeguards

Benefits

• Health Insurance: Point provides platinum-rated plans for medical (Anthem Blue Cross or Kaiser Permanente), dental and vision (The Standard). We cover 99% of employee premiums and 75% of dependent premiums
• Generous Vacation: Take time for yourself and your family when you want - Point has an unlimited vacation policy
• Continued Learning: We encourage all team members to attend events hosted by our investors, external workshops and conferences. We believe in continuous improvement and want to support employees on their professional journeys
• Family Friendly: Point will top off state applicable PFL earnings, as well as two weeks of fully paid leave to be available after exhaustion of state PFL. In addition, employees will receive 4 weeks: s of fully paid transition time. For the first consecutive four weeks after returning to work following parental leave, and following exhaustion of all other paid leave benefits, the employee may work part-time, meaning two or three days per week, and will receive 100% of regular base pay
• Work From Home Stipends: With employees working remote, Point will provide employees a $50 monthly cell phone stipend and a $50 monthly internet stipend. In addition, we will reimburse up to $150 to help you purchase supplies for your home office.remote, Point will provide employees a $50 monthly cell phone stipend and a $50 monthly internet stipend. In addition, we will reimburse up to $150 to help you purchase supplies for your home office

This is a hands-on role on a small team, and the work rewards a mortgage or consumer finance lawyer who is genuinely interested in how a servicing operation runs and keen to build a durable playbook along the wayA strong sense of ownership: you advise in plain language, run the question down, and come back with a recommendation rather than handing back the issueExperience retaining and directing outside and local counsel, and managing scope and budget across a multi-matter portfolioDemonstrated experience analyzing and resolving title, lien-priority, recording, or lien-perfection issues, with an understanding of title insurance and the ability to work through state-by-state variationJ.D. and active bar membership in any U.S. jurisdiction (California preferred); must be eligible for in-house practice in your state of domicileSound judgment in a fast-moving, regulated environment, and the instinct to recognize when a question needs further analysis, specialist input, or escalation7+ years of experience practicing law in mortgage or consumer finance, at a law firm, in-house, or a combination of both, including meaningful, hands-on experience advising on residential mortgage or other real estate-secured consumer finance servicing mattersWorking knowledge of the consumer finance and mortgage regulatory framework, including RESPA/Regulation X, TILA/Regulation Z, FDCPA/Regulation F, FCRA, ECOA/Regulation B, TCPA, SCRA, GLBA, UDAAP and state UDAP laws, and state servicing, licensing, and debt collection requirementsThe ability to assess how regulatory requirements apply to a novel consumer financial product, and to translate them into operational guidance that the business can followComfort partnering with a servicing team, subservicers, and outside counsel on proceedings that affect the collateral. Familiarity with foreclosure and enforcement procedure in judicial and non-judicial states, including redemption periods and surplus funds, is an advantageDefault servicing, foreclosure, bankruptcy, or loss mitigation exposureTitle claims experienceBuilding legal playbooks, templates, intake processes, and service levels in a scaling legal functionSupporting a novel consumer financial product through operational build-outLeveraging legal AI tools in an in-house environment