Please note: This is an in-office position that is located in Miami, FL

About Us:
At INB, your career is more than a job; it’s a chance to make a difference. As a locally owned, community-focused bank, we help individuals and businesses reach their financial goals through personalized service and trusted relationships. Our team is built on care, creativity, teamwork, balance, smart work, and enthusiasm. Join us and be part of a purpose-driven culture that makes a positive impact every day.

Why Join Our Team?

INB offers a challenging and rewarding environment where your legal expertise directly contributes to our strategic business decisions. We value a collaborative culture, professional development, and the opportunity to work on a broad spectrum of complex, high-impact legal issues across multiple vital state markets.

Summary

INB is a dynamic, multi-state financial institution looking for an attorney to join its in-house legal department as a strategic legal advisor and partner to our business units, focusing on navigating the complex legal and regulatory landscape of the banking industry in Illinois and Florida. We are seeking a highly motivated and experienced attorney with 3 to 5 years of experience to provide advice, counsel, direction and assistance with a broad spectrum of legal risks and associated tasks to ensure INB meets its legal and regulatory obligations for its customers, officers, shareholders, directors and regulators. This role requires a blend of strong legal acumen, business judgment and practical problem-solving skills to identify substantive legal issues and operational concerns while providing sound, but creative, solutions or improvements for the Bank and its customers.

Essential Duties and Responsibilities include the following:

(1) Banking, Lending, and Regulatory Compliance—

• Provide timely, pragmatic legal advice on banking operations, commercial and retail lending practices, new product development, and related services across Florida and Illinois.
• Conduct legal research and provide counsel on compliance with federal and state regulations, including the Bank Secrecy Act (BSA)/Anti-Money Laundering (AML), Dodd-Frank Act, Fair Credit Reporting Act (FCRA), Truth in Lending Act (TILA), and other consumer protection and financial services laws relevant to our operations in both states.
• Monitor and communicate changes in regulatory requirements and assist in the development and implementation of internal policies and training programs to ensure company-wide adherence.
• Advise and support the Compliance and Risk Management teams on various internal audits, investigations, and regulatory inquiries.

(2) Contracts, Transactions, and Documentation

• Draft, review, and negotiate a variety of commercial agreements, including vendor contracts, technology/SaaS agreements, non-disclosure agreements (NDAs), and professional services contracts.
• Review, interpret, and prepare commercial and real estate loan documentation, including modifications and forbearance agreements, ensuring enforceability and compliance with Florida and Illinois state laws (including the Uniform Commercial Code - UCC).
• Assist with legal due diligence and documentation related to corporate transactions, such as mergers, acquisitions, and strategic partnerships.

(3) Litigation and Risk Management

• Assist in managing and overseeing outside counsel for litigation matters in Florida and Illinois, including financial services litigation, contested foreclosures, and single-plaintiff actions.
• Provide initial assessment of potential disputes and litigation risks, developing strategies to minimize the company’s legal exposure.
• Advise the Human Resources and management teams on employment-related legal matters, including drafting policies, managing disputes, and ensuring compliance with applicable state and federal labor laws.
• (4) Corporate Governance and Operations
• Provide legal support for corporate governance matters, including preparing board resolutions, maintaining corporate records, and ensuring adherence to statutory requirements.
• Communicate complex legal issues and risks effectively to non-legal business colleagues and senior management.
• Develop and maintain legal document templates and a contract management system to streamline business processes.

(5) Other duties as assigned by the General Counsel.

Qualifications and Experience. To perform this job successfully, candidates must be able to perform each essential duty satisfactorily with the following qualifications, knowledge, skill and/or experience:

Required Qualifications—

• Juris Doctor (J.D.) degree from an accredited law school.
• Active membership in good standing of the Florida or Illinois Bar. Dual admission or ability to obtain in-house counsel status in the other jurisdiction is a significant plus.
• 3 to 5 years of progressive legal experience in a law firm or in-house legal department, with a focus on financial services, corporate law, banking, or complex transactional work.
• Proven knowledge of state and federal banking regulations and compliance requirements (e.g., BSA/AML, TILA, Reg B, Reg Z).
• Exceptional drafting, negotiation, and verbal communication skills.
• Strong analytical skills with the ability to provide clear, practical, and business-oriented legal advice in a fast-paced environment.
• Schedule and attend court hearings as necessary.

Preferred Qualifications—

• Prior experience as in-house counsel for a financial institution, bank, or credit union.
• Specific experience in commercial lending, commercial real estate finance, or financial services litigation in the Florida or Illinois markets.
• Experience with data privacy and security laws (e.g., Gramm-Leach-Bliley Act).
• Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports, business correspondence, and procedure manuals. Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
• Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
• Ability to define problems, collect data, establish facts, and draw valid conclusions. Ability to interpret an extensive variety of technical instructions in mathematical or diagram form and deal with several abstract and concrete variables.
• To perform this job successfully, an individual must be proficient in all Microsoft Office/Teams programs, with an ability to quickly learn other bank related programs.

Physical Demands The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

May be required to travel. Involves sitting most of the time but may involve walking or standing for brief periods of time.

Group Insurance Benefits and Plans

INB provides health, dental, vision, and life insurance benefits to all full-time employees. Coverage is also extended to their eligible dependents. Active employees make premium contributions based on plan selections. Please click the link below for all benefits that are offered.

https://www.inb.com/Resources/9f1b90c4-905c-4cd7-9dee-afd9937ab37a/INB%20employee%20benefit%20flier%202025.pdf

The above statements are intended to describe the general nature and level of work being performed by people assigned to this job. They are not intended to be an exhaustive list of all responsibilities, duties, skills, or working conditions.

ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for American with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis.

INB, N.A. is committed to Equal Employment Opportunity with respect to recruitment, hiring, training, promotion, and other terms and conditions of employment. It is INB's policy to afford equal opportunity to all employees and applicants for employment without regard to race, creed, color, sex, sexual orientation, age, marital status, national origin, disability, religion, veteran status, or any other basis prohibited by law. The EEO Law poster is available here:
Know Your Rights: Workplace discrimination is illegal