Counsel - Automotive Finance, Commercial Lending (Hybrid) Job at TD Bank
TD Description
TD Bank, America's Most Convenient Bank, is one of the 10 largest banks in the U.S., providing over 9.8 million customers with a full range of retail, small business and commercial banking products and services at more than 1,100 convenient locations throughout the Northeast, Mid-Atlantic, Metro D.C., the Carolinas and Florida. In addition, TD Auto Finance, a division of TD Bank, N.A., offers vehicle financing and dealer commercial services. TD Bank and its subsidiaries also offer customized private banking and wealth management services through TD Wealth®. TD Bank is headquartered in Cherry Hill, N.J.
We offer a competitive salary and benefit program, including: comprehensive, affordable health care through medical, dental, and vision coverage; financial security with life and disability insurance; opportunities to save using health savings and flexible spending accounts; retirement benefits to help prepare for the future; paid time off and work/life benefits to maintain a good balance.
Job Description
Job Requirements
Provides consistent and sound legal advice in a clear, concise and responsive manner by taking initiative to develop legal knowledge and skill; knowing relevant substantive law, identifying legal issues; knowing the business and its products, operations, strategy, risk appetite and regulatory environment; owning the role of interpreting legal requirements through a balanced understanding of the law and business context to formulate relevant legal theories; and identifying business issues and policies related to the legal requirements, describing legal issues and options to the client
Identifies conflict situations and brings more senior lawyers into the decision-making process as appropriate by identifying situations when actions that the business unit wants to take conflicts with TD's risk appetite and discusses with client how particular actions might be inconsistent
Effectively contributes to and/or leads negotiations and conflict resolutions by gathering supportive information in preparation for the negotiation, understanding the dynamics of the process and displaying an effective combination of firmness, tact, patience and respect in dealing with all parties involved
Qualifications
JD from accredited law school required
5+ Years of related experience
Admission to appropriate State Bar in good standing and licensed to practice law in the State
Basic understanding of banking/financial services operations and issues
Ability to simplify, problem solve, multitask and work effectively against deadlines
Integrity and high moral standards
Strong negotiation and conflict resolution skills
Strong legal research and analysis skills
Detail oriented
Must be able to apply legal knowledge to the business
Ability to exercise sound judgment
Excellent oral and written communication skills
Strong teamwork and client skills
Highly motivated
May supervise administrative and paralegal staff and junior attorneys
**Preferred Qualifications**
- Experience with reviewing and tracking a large volume of state and federal bills covering the automotive finance space
- Working knowledge of TILA, TCPA, SCRA, UDAAP, FTC and FCRA, and related sales/originations laws
- Experience with reviewing automotive finance contracts and optional product agreements (e.g., retail installment sale contracts, credit agreements, guaranteed asset protection waivers and vehicle service contracts)
- Commercial contract negotiation experience and treasury management negotiation experience
- Experience providing treasury management and merchant solutions contract support, including negotiating of commercial deposit and cash management services agreements
Inclusiveness
At TD, we are committed to fostering an inclusive, accessible environment, where all employees and customers feel valued, respected and supported. We are dedicated to building a workforce that reflects the diversity of our customers and communities in which we live in and serve, and creating an environment where every employee has the opportunity to reach their potential.
If you are a candidate with a disability and need an accommodation to complete the application process, email the TD Bank US Workplace Accommodations Program at USWAPTDO@td.com . Include your full name, best way to reach you, and the accommodation needed to assist you with the application process.
EOE/Minorities/Females/Veterans/Individuals with Disabilities/Sexual Orientation/Gender Identity.
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