Associate General Counsel, Point

• 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 way
• J.D. and active bar membership in any U.S. jurisdiction (California preferred); must be eligible for in-house practice in your state of domicile
• 7+ 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 matters
• Demonstrated 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 variation
• Comfort 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 advantage
• Working 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 requirements
• The ability to assess how regulatory requirements apply to a novel consumer financial product, and to translate them into operational guidance that the business can follow
• Experience retaining and directing outside and local counsel, and managing scope and budget across a multi-matter portfolio
• A strong sense of ownership: you advise in plain language, run the question down, and come back with a recommendation rather than handing back the issue
• Sound judgment in a fast-moving, regulated environment, and the instinct to recognize when a question needs further analysis, specialist input, or escalation

Desirable

• 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