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Commercial Counsel

Spruce Finance is committed to helping people reduce their utility bills and improve their homes and environment by offering consumer financing solutions for residential energy efficiency improvements and solar systems. We make our finance products available on a single software platform and sell them through a national network of verified channel partners. Our platform simplifies the sales experience for our channel partners and helps them sustainably grow their businesses. A private company headquartered in San Francisco, with additional offices in Houston, Anaheim, and New York, we operate in all 50 states and Washington, DC. We have raised more than $2B in project finance and currently serve 70,000 homeowners.

Finance products for residential solar – including loans, leases, power purchase agreements, and property-assessed clean energy (PACE) financing – are available in 23 states, and financing for home efficiency improvements is available in all 50 states. Spruce’s national reach and full product suite enable the company to capture more share of business from its channel because clients can access multiple finance products for a wide variety of home improvements on a single platform. Spruce is also able to capture a greater share of wallet from consumers by offering them the financing they want for the energy or efficiency home improvement they need and creating a long-term relationship that enables additional sales of complementary improvements down the road.

If you are interested in joining our Spruce team and want to learn more about our mission, we’d like to meet you.

THE ROLE: Commercial Counsel

We are looking for an attorney with two to five years’ experience in commercial transactions with an emphasis on consumer finance who (a) can negotiate, draft and analyze a variety of commercial agreements, especially channel partner and vendor agreements, (b) can analyze and resolve disputes involving consumer finance, construction, and vendor management, and (c) understands federal and state laws and regulations applicable to consumer transactions.  As Commercial Counsel at Spruce, you will also assist on a broad range of general corporate legal matters, and will counsel internal clients on the various legal risks and business strategies ranging from day-to-day business issues to larger corporate financing initiatives.

Key responsibilities include:

  • Providing legal guidance to the organization on consumer finance transactions.
  • Partnering with Operations and Finance on customer management and dispute resolution.
  • Supporting Compliance and Licensing activities, including maintaining lenders licenses and interacting with state and federal regulators.
  • Working with the General Counsel to support strategic corporate legal projects, including asset purchases, joint ventures, and M&A.
  • Driving the continuous improvement of standard form agreements and legal processes.
  • Interacting with senior management to support corporate initiatives.

EXPERIENCE &SKILLS:

  • Knowledge and prior experience working on consumer finance, channel strategies and/or dispute resolution, especially in the renewable energy or consumer financial services field.
  • Two or more years of experience at a law firm or in-house environment.
  • Excellent analytical and interpersonal skills, written and verbal communication skills.
  • Strong sense of urgency and commitment to deadlines, attention to detail, and the ability and desire to handle increasing levels of responsibility.
  • Ability to work in a flexible and entrepreneurial environment.
  • Ability to work closely with the legal team and communicate effectively with members of other departments in order to support their functions.
  • Identifying and analyzing complex legal and commercial issues, developing and recommending solutions.
  • Proficiency with Word, Excel, PowerPoint and general MS Office applications.
  • Strong focus on execution and client service.

EDUCATION

  • A J.D. or LL.M. degree issued by a reputable accredited law school in the U.S. is required for this position.

EQUAL OPPORTUNITY EMPLOYER

We value a diverse work environment. Spruce is an equal opportunity employer and hires without consideration to race, color, religion, national origin, age, gender, sexual orientation, marital status, veteran status, disability or any other characteristic protected by applicable federal, state or local laws.

 

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