Lending & Compliance Manager

Job Description

The Habitat for Humanity Portland Region Lending & Compliance Manager is fascinated by how affordable homeownership can change lives-and you love making the complex world of lending clear, compliant, and accessible. You bring deep knowledge of mortgage lending, compliance regulations, and affordable housing programs, and you're energized by helping people navigate systems that often feel intimidating or opaque. You love being both a strategist and a mentor. You oversee the lending functions that keep Habitat's program running smoothly-from origination and closing to servicing and resale-while also guiding and supporting staff as they grow in their own lending expertise.You're at your best when collaborating across teams and with external partners. You work hand-in-hand with lenders, title companies, and city partners to streamline processes, troubleshoot challenges, and make sure every home sale closes smoothly and sustainably. You take pride in designing systems that are both efficient and equitable. You're constantly thinking about how to reduce barriers, strengthen compliance, and ensure lasting affordability for homebuyers. You're someone who balances precision with purpose. You care about accuracy and accountability, but your motivation comes from the people behind every loan file-the families reaching their goal of homeownership.

Responsibilities

• Oversee the home sale and mortgage lending pipeline from loan preparation and origination through closing, ensuring transactions are accurate, timely, compliant and align with organization policies and funding requirements. Maintain appropriate management-level visibility into transactions, issues, exceptions and risks throughout the pipeline.
• Collaborate with internal and external partners to streamline transaction workflows and reduce barriers for homebuyers.
• Leverage knowledge of lender, title company, and escrow practices to design Habitat's internal systems and procedures that align with industry workflows, improving efficiency and scalability of home sales
• Oversee the origination of Habitat's second (subsidy) mortgages for homebuyers, ensuring compliance with all applicable regulations and organizational policies.
• Partner with lenders, title companies, and nonprofit partners to plan closings and ensure program alignment with lender standards.
• Educate buyers on mortgage terms, affordability restrictions, and resale conditions, both in group settings and one-on-one.
• Serve as an organizational expert on mortgage lending requirements, regulations and best practices; proactively identify compliance or operational issues and develop and maintain policies and procedures
• Assist homebuyers in accessing and applying for down payment assistance
• Provide training and technical assistance to staff on lending concepts, compliance updates, and mortgage industry changes.
• Oversee monitoring and follow-up related to ongoing homeowner compliance with mortgage and affordability requirements, escalating significant or complex matters as appropriate.
• Keep informed of lending industry trends and regulations, laws, and new and potential programs to assist first-time buyers and homeowners, and work with the homeownership team to adjust services accordingly.
• Provide guidance and technical support on loan and title matters related to the Home Repair Program.
• Assist Habitat homeowners interested in selling their homes through the resale process.
• Contribute to the design and implementation of buy-back policies and procedures.
• Develop and oversee policies for delinquency monitoring, homeowner support, and intervention strategies including reviewing individual cases and recommending appropriate next steps when needed.
• Coordinate with loan services to ensure homeowners receive accurate service and quality customer care.
• Oversee escrow analyses, payoff requests, delinquency reporting, and foreclosure procedures, delegating operational tasks as appropriate.
• Ensure consistent documentation of communications and actions, maintaining compliance with CFPB and organizational policy.
• Prepare monthly delinquency report and review with Director of Homeownership Programs
• Provide legal advisors with information needed to prepare and send letters and foreclosure notices, and manage the foreclosure process when necessary
• Supervise the Loan Processing Coordinator, providing mentorship, direction, and opportunities for growth.
• Support the Director of Homeownership in developing revenue projections and setting lasting affordability pricing models, ensuring that lending and resale strategies align with organizational financial goals and long-term affordability standards.
• Identify and implement opportunities to improve systems and workflows in partnership with lenders and title/escrow partners, enabling Habitat to scale home sales efficiently

Qualifications

• Contribute to our culture and embody our organizational mission, vision, and values.
• At least 5 years of experience in mortgage lending, homeownership counseling, or related field.
• Strong knowledge of CFPB regulations and other lending laws.
• Proven ability to develop and maintain compliance systems, policies, and procedures.
• Excellent communication and relationship-building skills with homebuyers, lenders, title companies, colleagues, servicers, and legal advisors.
• Strong organizational skills with experience in creating efficient processes and systems.
• Commitment to affordable homeownership and comfort working with culturally and linguistically diverse communities.
• Be a strategic thinker with the ability to develop, evaluate and improve processes and policies by using data, feedback, and organizational goals to guide decisions that enhance efficiency, equity, and mission alignment.
• Proficiency in Microsoft Office and mortgage servicing systems.

Compensation:

$66,547.00 to $81,520.11

#LI-aff

How to Apply

Please submit your resume, cover letter, and provide three professional references using our online application. If you need assistance or accommodations in submitting your application or throughout the hiring process, please contact [email protected].