Description

Effective Date: November 10, 2026

Reports to: General Counsel/Chief Compliance Officer

Exempt: Exempt, Non-Manual Worker, Full-Time

Salary Range: $125,000-$150,000 based on experience

Location: Wayne, PA (Corporate) office; onsite position. This position is not eligible for a hybrid or remote schedule.

autoMHatic Financial, a trade name of Tammac Holdings, is a private equity-backed lender specializing in manufactured home loans. With over $1 billion in originations and more than 40 years of experience, we’re transforming the manufactured housing industry through innovative products, technology-driven solutions, and a customer-first approach. Our mission is to bring speed, service, and simplicity to the lending process, including loan decisions within minutes.

Summary

The Servicing Counsel is a legal position, reporting to the General Counsel/Chief Compliance Officer, responsible for providing legal advice and for overseeing compliance activities related to the servicing, default management, repossession, and asset management, related to manufactured home chattel and mortgage loan portfolios. This role requires extensive experience managing compliance programs, building and implementing compliance management systems, and leading cross-departmental teams in a regulated lending environment. The Servicing Counsel will design, implement, and oversee comprehensive compliance frameworks covering management reporting, policies and procedures, compliance controls, testing and monitoring programs, regulatory reporting, and staff training. In addition, the Servicing Counsel will serve as the primary day-to-day legal resource for servicing operations, interpreting federal and state servicing laws; drafting and reviewing borrower notices and servicing-related contracts; managing escalated borrower disputes, borrower bankruptcy, foreclosure, repossession, and servicing litigation matters with outside counsel; and providing legal support for servicing regulatory examinations and inquiries. This position serves as a strategic advisor to senior leadership on servicing compliance risks and regulatory developments affecting manufactured home chattel and mortgage servicing, default management, repossession, and asset management operations.

Key Responsibilities:

Servicing Legal Advisory

Serve as the primary legal advisor to servicing, collections, default management, loss mitigation, foreclosure, repossession, and asset management operations for manufactured home chattel and mortgage loans, providing timely, practical, and risk-based guidance and escalating material issues to the General Counsel/Chief Compliance Officer

Compliance Management System Development and Oversight

Design, implement, and maintain a comprehensive compliance management system (CMS) for loan servicing, default management, repossession, and asset management operations, incorporating the key pillars of compliance program effectiveness: board and management oversight, compliance program, policies and procedures, training, monitoring and auditing, corrective action, and consumer complaint response

Policies and Procedures Development

Develop, implement, and maintain comprehensive servicing, default management, repossession, and asset management policies and procedures covering all aspects of manufactured home chattel and mortgage loan servicing, including payment processing, escrow administration, loss mitigation, collections, default management, customer communications, repossession, foreclosure, and asset management

Compliance Controls Implementation and Management

Design and implement robust compliance controls throughout the loan servicing lifecycle, including preventive, detective, and corrective controls
Establish control testing protocols and schedules to validate the design and operating effectiveness of servicing compliance controls
Develop and implement quality control processes for critical servicing functions such as payment application, escrow analysis, payoff calculations, and customer disclosures

Compliance Testing and Monitoring

Develop and execute comprehensive compliance testing and monitoring plans covering all servicing functions and regulatory requirements
Conduct regular transaction testing, process reviews, and file audits to assess compliance with federal and state servicing regulations and internal policies
Perform focused reviews of high-risk servicing areas including loss mitigation, foreclosure/repossession alternatives, collections practices, force-placed insurance, and escrow administration

Regulatory Compliance and Reporting

Monitor and ensure compliance with all federal and state regulations governing manufactured home chattel and mortgage loan servicing, including Truth in Lending Act (TILA/Regulation Z), Real Estate Settlement Procedures Act (RESPA/Regulation X), Fair Debt Collection Practices Act (FDCPA/Regulation F), Fair Credit Reporting Act (FCRA), Servicemembers Civil Relief Act (SCRA), and state-specific servicing laws

Training and Education

Develop and deliver comprehensive compliance training programs for servicing staff covering regulatory requirements, company policies, and industry best practices
Create role-specific training materials for payment processors, escrow analysts, loss mitigation specialists, collections staff, and customer service representatives
Conduct new employee onboarding training on servicing compliance requirements
Provide ongoing education on regulatory changes, examination findings, and emerging compliance risks

Cross Functional Collaboration

Mentor staff assigned to servicing compliance functions
Partner with servicing operations management to integrate compliance requirements into daily operations and workflow processes
Collaborate with outside counsel, if needed, on interpretation of regulations, response to regulatory matters, and resolution of complex compliance issues

Strategic Advisory and Risk Management

Serve as legal and compliance subject matter expert and strategic advisor to senior leadership on servicing compliance matters affecting manufactured home chattel and mortgage lending
Advise on compliance implications of new servicing products, processes, and business initiatives

Consumer Complaint Management

Oversee the servicing complaint response process to ensure timely, accurate, and compliant responses to consumer complaints
Analyze complaint trends to identify potential compliance issues, process breakdowns, and training needs

Servicing Contracts and Third-Party Vendors

Draft, review, and negotiate servicing-related agreements, including subservicing, foreclosure counsel and trustee, repossession and recovery agent, collection agency, skip-tracing, remarketing, auction, title, insurance, payment processing, and other servicing vendor agreements

Borrower Litigation

Manage servicing-related litigation, arbitration, and pre-litigation disputes, including foreclosure, repossession, deficiency, credit reporting, RESPA, FDCPA, TCPA, and UDAP/UDAAP claims, by supporting the selection and supervision of outside counsel, monitoring budgets, and recommending case strategy and settlement positions
Respond to subpoenas, garnishment orders, and other legal process directed to servicing records, and issue and administer litigation holds

Benefits

Joining autoMHatic Financial comes with a range of benefits designed to enhance your work-life balance and foster a rewarding work environment. As a member of our team, you can expect to benefit from:

Competitive Pay: We offer competitive compensation packages to recognize and reward your valuable contributions. Including comprehensive benefits, such as healthcare, dental and vision insurance, and 401K.
Generous Paid Time Off (PTO): Take the time you need to recharge and pursue your passions outside of work with our comprehensive PTO package.
Team Events: From team-building activities to fun social events, we believe in fostering a strong sense of camaraderie through regular events that bring our team together.
Fully Stocked Kitchen: Enjoy a variety of snacks, beverages, and refreshments available in our fully stocked kitchen, ensuring you stay energized and refreshed throughout the day.
Culture: Immerse yourself in a diverse, inclusive culture where innovation, collaboration, and creativity thrive, offering endless opportunities for growth and development.

Relocation Requirement

This is an onsite position based at the Wayne, Pennsylvania Corporate office. Candidates not within commuting distance must be willing and able to relocate to Wayne, Pennsylvania, by the designated start date for this position.

EEO Statement

autoMHatic Financial provides equal employment opportunities (EEO) to all applicants for employment without regard to race, color, religion, gender, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, amnesty, or status as a covered veteran in accordance with applicable federal, state and local laws. autoMHatic Financial complies with applicable state and local laws governing non-discrimination in employment in every location in which the company has facilities.

autoMHatic Financial is an equal opportunity employer. We consider all qualified applicants for employment without regard to race, color, religion, sex, sexual orientation, gender identity or expression, national origin, age, disability, genetic information, marital status, veteran status, or any other status protected under applicable federal, state, or local law. autoMHatic Financial complies with all applicable laws governing nondiscrimination and equal opportunity in employment in every location in which the company operates.

Privacy Notice

autoMHatic Financial is committed to protecting your privacy rights. Personal information collected during the application process will be used only for legitimate business purposes and handled in accordance with applicable privacy laws and our Employee Privacy Notice. By submitting an application, you acknowledge and consent to the collection and use of your information as described in that notice.

Additional Information

This job description is not intended to be an exhaustive list of all duties, responsibilities, or qualifications associated with the position. Duties and responsibilities may change at any time, with or without notice. Reasonable accommodations may be provided to qualified individuals with disabilities to enable them to perform the essential functions of the position.

Please note that you are not considered an official applicant until you have submitted a complete employment application through autoMHatic Financial’s online applicant tracking system.

Qualifications

Experience

3-6 years of legal experience, whether in a law firm, in-house, regulatory agency, or clerkship setting, including servicing compliance experience within mortgage servicing, consumer lending, or financial services, with specific experience in manufactured home chattel and mortgage servicing preferred
Demonstrated management experience leading compliance projects or initiatives
Proven track record of designing, implementing, and managing compliance management systems in a regulated servicing environment
Extensive experience developing and implementing policies, procedures, and compliance controls for servicing operations
Strong background in compliance testing, monitoring, and audit methodologies
Experience preparing regulatory reports and managing regulatory examinations or audits
Experience with multi-state servicing compliance and state licensing requirements
Experience with consumer finance litigation, borrower bankruptcy, foreclosure, repossession, or regulatory examination and enforcement matters is strongly preferred
Experience drafting and negotiating servicing-related commercial agreements; in-house legal experience is preferred

Required Knowledge and Skills

Expert knowledge of federal servicing regulations including TILA/Regulation Z, RESPA/Regulation X, FDCPA/Regulation F, FCRA, SCRA, TCPA, the Bankruptcy Code, and UDAAP principles
Deep understanding of state servicing laws and regulations, including foreclosure, repossession, UCC Article 9, and certificate-of-title laws, across multiple jurisdictions
Comprehensive knowledge of manufactured home chattel and mortgage lending products, servicing practices, and industry-specific regulatory requirements
Proficiency with compliance management systems, loan servicing platforms, and compliance technology tools
Strong analytical skills with ability to interpret complex regulations, analyze data, identify trends, and assess risk
Excellent project management skills with ability to manage multiple priorities and meet deadlines
Strong written and verbal communication skills, including ability to prepare compliance reports, policies, training materials, legal memoranda, contracts, and correspondence with regulators, courts, and opposing counsel
Demonstrated leadership abilities with fostering cross-department team development

Education and Certifications

Juris Doctor (JD) degree from an accredited law school is required
Compliance certifications strongly preferred: Certified Regulatory Compliance Manager (CRCM), Certified Mortgage Compliance Professional (CMCP), or similar professional credentials

Active bar membership in at least one U.S. jurisdiction, in good standing, is required. PA attorney license or ability to obtain PA limited in-house counsel license is required