Attention: Kapitus is aware that individuals posing as recruiters may be communicating with job seekers about supposed positions with Kapitus. Kapitus has received reports that the content and method of communication can vary, but messages may contain requests for payment (e.g., fees for equipment or training) and/or for sensitive financial information.
Kapitus will never ask a candidate for employment for payment or financial information during the initial application or interview process. All open positions are posted in location specific employment portals available at www.kapitus.com/careers All legitimate Kapitus job postings on employment sites will direct candidates to complete an application through these portals before completion of the hiring process.
Candidates with additional questions or concerns regarding any recruiting communications or Kapitus’ recruiting process in general should email recruiting@kapitus.com
We are seeking a detail-oriented and proactive attorney with a background in finance, lending, or litigation related to the same to join our legal team. This role will have a specific emphasis on structuring and drafting financing contracts with customers, contracts in support of Company initiatives, and the review and support of the Company’s financing activities, with an emphasis on setting up processes for negotiated loan documents for borrowers between $500,000 and $3,000,000, supporting the Company’s equipment finance subsidiary, and the negotiation of counterparty documents with a variety of counterparties. The position will also support workout and compliance as the Company moves to expand its product offerings. The ideal candidate will serve as a strategic partner to our business units, ensuring that all contract terms align with company risk tolerance, regulatory standards, and high-stakes operational goals.
What you will do:
- Draft, review, and negotiate a broad range of commercial contracts
- Lead the legal structuring and negotiation of terms for major accounts, specifically focusing on credit facilities, loan agreements, and negotiated financing arrangements with customers.
- Analyze complex contract terms and conditions to identify legal, financial, and operational risks, providing clear summaries and mitigation strategies to business units and executive leadership.
- Ensure all lending-related documentation complies with federal and state financial regulations, including consumer and commercial lending laws.
- Develop and maintain standardized contract templates and "playbooks" to streamline the negotiation process for high-volume and high-value accounts.
- Advise internal stakeholders (Sales, Underwriting, HR, Major Accounts, Equipment Finance and Operations) on legal rights, obligations, and the interpretation of existing contract terms.
- Manage the contract lifecycle from initial request through execution and renewal, ensuring all deadlines and compliance requirements are met.
- Stay current on changes in relevant laws and regulations (e.g., data privacy, banking regulations, or industry-specific mandates) that may impact company agreements.
- Assist with general advice, litigation, compliance initiatives, and other legal projects as assigned by the General Counsel.
- Research and identify relevant local, state, and federal law applicable or potentially applicable to the company and provide advice regarding compliance on all areas of Company activity, including sales, marketing, product offerings, internal governance and other matters
- Stay apprised of regulatory changes to proactively address potential compliance matters, including UDAP, UDAAP, FCRA, ECOA, FDCPA, TCPA and state analogues
- Assist in implementation, review and mitigation of issues identified by Compliance Management and Complaint Management Systems
- Assist with offensive and defensive litigation, as needed, including matters arising from company functions, financing agreements, bankruptcy proceedings initiated by individuals or small businesses, contract disputes, as well as other matters
What We’re Looking For:
- JD with excellent academic and professional credentials
- Member in good standing of either the New York, Virginia, or California bar, or eligible for admission as a registered in-house counsel or upon waiver to New York or Virginia.
- Independent, self-starter with the ability to work independently
- Flexible, with the ability to adjust to circumstances in a growing company and assist with projects on an as needed basis
- Ability to make decisions and provide advice in areas where the regulatory framework is evolving or unclear
- Strong oral and written communication skills
- Excellent presentation and training skills
- 5 + years of experience with exposure and understanding of financial services, either through corporate, regulatory, insolvency or litigation
- Judicial clerkship a plus
- Exceptional drafting skills with the ability to translate complex legal and financial concepts into clear, actionable business terms.
- Strong negotiation skills and the ability to maintain professional relationships with external counsel and major account representatives.
- Proven ability to manage multiple projects simultaneously in a fast-paced environment.
- Deep understanding of secured and unsecured lending, UCC filings, and debt recovery processes, including litigation.
- Strong business acumen and the ability to provide "solution-oriented" legal advice rather than just identifying obstacles.
Kapitus Total Rewards Package Includes:
- Competitive Base Salary Range of $121,700 - $195,300 Kapitus is providing this as a good faith salary range to comply with applicable law. The applicant’s final salary will depend on a number of factors including the applicant’s geographic location, skills, and experience.
- Annual Incentive Compensation Eligibility –Up to 15% annually
- Health Insurance: Comprehensive medical, dental, and employer-paid vision plans through UnitedHealthcare (UHC), with various coverage levels available to meet the needs of our employees and their families. Additional perks through UHC include: Sweat Equity, free subscription to the Calm App, UHC rewards, Real Appeal, and Quit For Life.
- Flexible Spending Account: Set aside pre-tax dollars from your paycheck to pay for qualified out-of-pocket medical, dental, vision, pharmacy or dependent care expenses.
- Lifestyle Spending Account: Employer sponsored post-tax benefits that allow reimbursement for expenses related to physical, mental and financial well-being.
- 100% Company Paid Insurances: Kapitus fully covers the cost of basic short-term and long-term disability insurance, as well as vision insurance, ensuring our employees have comprehensive protection without any personal expense.
- Voluntary Insurance: Supplemental life insurance as well as enhanced short- and long-term disability coverage are available through Mutual of Omaha, providing additional security for our employees. Additionally, Colonial Accident and Hospitalization insurances are also available, offering further protection against unforeseen events.
- Paid Maternity and Parental Leave: Beyond state-mandated leave policies, Kapitus provides company-paid maternity and parental leave, supporting our employees during important family milestones.
- Commuter Benefits: We offer pre-tax benefits on parking and commuter expenses to cover travel to and from work.
- LifeBalance Program: Enhance your lifestyle with our LifeBalance membership, which offers discounts on outdoor activities, the arts, health, and fitness. Additional benefits include:
- Pet and car insurance discounts.
- Financial services such as LegalShield.
- Relaxation and stress management tools.
- Plum Benefits Discount Program: Access exclusive discounts on shows, travel, car rentals, and more, enriching your personal and family life.
- Tuition Reimbursement: Pursue further education with up to $5,000 annually in tuition reimbursement, plus opportunities to attend relevant conferences and career development events. Managed through our LSA plan, Kapitus Academy.
- Travel Reimbursement: We also offer travel reimbursement for all work-related travel, supporting your involvement in career and personal development activities.
- Paid Time Off and Sick Time.
- Retirement Benefits: Our 401K plan is managed through Fidelity. To support your long-term financial goals, the company provides a 25% match on your contributions, up to 6% of your annual salary.
About Kapitus:
Kapitus is one of the most reliable and respected names in small business financing. As both a direct lender and a marketplace built with a trusted network of lending partners, we can provide small businesses with the financing they need when, and how it is needed. We have spent our entire existence building a culture that makes us excited to come to work in the morning. Our company is fast paced, teammates need to be self-directed and have an internal motivation to do the right thing, even when the right thing takes a lot of hard work. We show our teammates our appreciation by offering great benefits, competitive pay and solid opportunity for growth.
Company Mission: At Kapitus, our mission is to help small business owners grow their organizations by providing tailored, transparent, and ethical financing solutions. We invest in every business owner’s story and we are dedicated to building lasting relationships to champion their goals. We promise to keep the best interests of our clients at the center of the financing process by operating with transparency, fairness, and integrity.
Consideration will be given to qualified remote candidates residing in states where Kapitus and/or one of its subsidiaries has an established physical presence.