Legal Counsel, Transactional & Regulatory

Mitsubishi HC Capital America, Inc.; Itasca (IL); Hybrid; USD 140,000 - 180,000; Full time

Benefits offered by this job

Health insurance

401k match

Vacation & holidays

Tuition reimbursement

Wellness programs

Professional development budget

Culture: collaborative environment

Job summary

Mitsubishi HC Capital America is seeking a Legal Counsel, Transactional & Regulatory to support commercial finance originations, regulatory compliance, supplier management, and day‑to‑day corporate legal needs in a hybrid role based in Itasca, IL.

You will partner with Sales, Operations, Credit, and the North American Legal Department to balance legal risk with business objectives, draft and negotiate documents, and lead regulatory monitoring.

Qualifications

• Juris Doctorate required; Illinois bar license or eligibility for in‑house licensing.
• 5–8 years of commercial finance legal experience, including equipment leasing, lending, and secured transactions.
• Proven contract drafting and negotiation across commercial finance sectors.
• Strong knowledge of U.S. federal and state laws and regulatory requirements, including UCC Articles 2A & 9.

Responsibilities

• Lead transactional origination for equipment loans, leases, and commercial financing arrangements.
• Draft, review, and negotiate a wide range of legal documents and agreements.
• Provide strategic legal guidance on supplier relationships and third‑party risk.
• Monitor regulatory developments and collaborate with Compliance to update policies and procedures.
• Manage external counsel relationships and ensure cost‑effective representation.

Skills

Commercial finance law

Contract drafting

Negotiation

Regulatory compliance

External counsel management

UCC knowledge

Cross-functional collaboration

Technology in legal tools

Illinois bar eligibility

Education

Juris Doctorate

Job description

Step into a high impact role with Mitsubishi HC Capital America as a Legal Counsel, Transactional & Regulatory, where your commercial finance expertise, sharp judgment, and negotiation skills will directly shape complex lending and leasing deals. If you thrive on solving sophisticated legal challenges and partnering closely with the business, this opportunity is built for you.

HYBRID: 3 days/week in Itasca, IL

As Legal Counsel, you will serve as a trusted legal advisor supporting commercial finance originations, regulatory compliance, supplier management, and day‑to‑day corporate legal needs. You’ll partner with leaders across Sales, Operations, Credit, Capital Markets, and the North American Legal Department to provide actionable legal guidance and ensure compliant, efficient business operations. You will play a key role in balancing legal risk with strategic business objectives while providing business-oriented solutions.

KEY RESPONSIBILITIES:

Transactional Support

• Lead transaction origination for equipment loans, leases, and commercial financing arrangements
• Draft, review, and negotiate a wide range of legal documents, including vendor program agreements, capital market agreements, commercial finance contracts, leasing contracts, loan agreements, and related documentation

Supplier Management & Third‑Party Risk

• Provide strategic legal guidance on supplier relationships, including supplier onboarding, risk assessment, contract performance monitoring, and dispute resolution
• Partner with Procurement and Operations to mitigate risks tied to supplier agreements

Regulatory Monitoring

• Track and advise on U.S. federal and state regulations (commercial lending, leasing, consumer protection, data privacy)
• Collaborate with Compliance to integrate regulatory changes into policies, processes, and documentation

Compliance Support

• Support internal reviews, audits, and compliance inquiries
• Assist in drafting, implementing, and updating compliance policies and procedures

External Counsel Management

• Support selection and oversight of external counsel for transactions and litigation
• Ensure cost‑effective, high‑quality representation aligned with business needs
• Identify and help mitigate legal and business risks related to equipment leasing, lending, and financing arrangements

Department Operations

• Support legal technology, template management, and continuous process improvement
• Contribute to departmental workflow efficiency and operational standards
• Juris Doctorate
• 5-8 years of commercial finance legal experience, including equipment leasing, lending, and secured transactions
• Strong understanding of U.S. federal and state laws, UCC Articles 2A & 9, contract law, litigation, and related regulatory requirements
• Experience with litigation, transactions, restructuring, and workout matters, including distressed asset situations and renegotiation of financing agreements
• Proven contract drafting and negotiation experience across commercial finance sectors including leases, loans, assignments, syndicated loans, purchase orders, and security agreements
• Ability to research and interpret laws, regulations, and case law, and provide practical guidance
• Strong communication and cross‑functional collaboration skills
• Skilled in drafting clear, enforceable agreements and refining contract templates
• Technology‑savvy with capability to leverage legal tech and AI tools
• Licensed and in good standing to practice law in Illinois, or eligible for in‑house counsel licensing
• Willingness to pursue professional development & CLE with emphasis on commercial finance and regulatory compliance

COMPENSATION: $140,000 – $180,000; based on experience. This role is also eligible for a year-end bonus.

Experience a comprehensive package designed to fuel your personal and professional journey:

• Top-Tier Health & Insurance: Medical, dental, vision, life & AD&D with low premiums; prescription drug coverage
• Financial Security: 401K with immediate vesting and up to 4.5% match; RSP contributions day one; HSA contributions; flexible-spending accounts
• Time Off: Competitive vacation time, plus 10 scheduled holidays
• Wellness & Lifestyle: Annual fitness reimbursement; virtual fitness membership; Stress management tools; Employee Assistance Program for confidential support and coaching
• Professional Growth: Tuition reimbursement after one year; dedicated development budget
• Culture: Transparent, collaborative environment with a supportive, family‑like team

Mitsubishi HC Capital America is an equal opportunities employer and positively encourages applications from suitably qualified and eligible candidates regardless of sex, race, disability, age, sexual orientation, status, religion or belief, marital status, or pregnancy and maternity.