Lending and Compliance Manager

Habitat for Humanity Portland Region•Portland, OR

About The Position

Habitat for Humanity Portland Region is seeking a Lending and Compliance Manager to oversee its home sale and mortgage lending functions, including loan origination, closing, servicing, delinquency management, and resales. The role ensures transactions and programs comply with applicable regulations, organizational policies, and funding requirements while supporting efficient, equitable, and lasting-affordability-focused homeownership processes. The manager serves as an organizational expert on lending requirements and compliance, develops policies and procedures, educates homebuyers, and provides technical assistance to staff and partners. The position works closely with homebuyers, lenders, title and escrow companies, nonprofit partners, loan servicers, legal advisors, and internal teams. It supervises the Loan Processing Coordinator and supports the Director of Homeownership Programs with revenue projections and lasting-affordability pricing models. The role is based in a team-oriented, business-casual office environment, with possible remote or hybrid work depending on responsibilities, performance, and access to necessary resources. Occasional travel between Habitat locations or temporary worksites may be required. The schedule is generally 40 hours per week, Monday through Friday, 8:30 a.m. to 4:30 p.m.; occasional work outside standard business hours may be requested. Compensation is listed as $66,547 to $81,520.11 for typical starting offers, with a full range of $66,547 to $96,493. The benefits package includes medical, dental, and vision coverage, paid time off and holidays, a matching 403(b) plan, flexible spending accounts, disability and life insurance, and an Employee Assistance Program.

Requirements

At least 5 years of experience in mortgage lending, homeownership counseling, or a 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 and experience creating efficient processes and systems.
Commitment to affordable homeownership and comfort working with culturally and linguistically diverse communities.
Strategic thinking and ability to develop, evaluate, and improve processes and policies using data, feedback, and organizational goals to enhance efficiency, equity, and mission alignment.
Proficiency in Microsoft Office and mortgage servicing systems.
Any combination of formal education, paid work experience, unpaid or volunteer experience, and life experience will be considered.

Nice To Haves

Verbal fluency in Vietnamese, Burmese, Spanish, Arabic, Russian, or Amharic.
Experience with affordable homeownership buy-down programs, such as IDAs, down payment assistance loans, or down payment assistance grants.
Experience designing, implementing, or managing Special Purpose Credit Programs (SPCPs) to advance equitable access to homeownership.
Experience as a HUD-Certified Housing Counselor supporting sustainable and equitable homeownership outcomes.
Experience or familiarity with lasting-affordability homeownership models, such as land trusts, deed restrictions, or shared equity.
Bachelor’s degree in finance, business, or a related field, or equivalent work experience.

Responsibilities

Oversee the home sale and mortgage lending pipeline from loan preparation and origination through closing, ensuring transactions are accurate, timely, compliant, and aligned with organizational policies and funding requirements.
Maintain management-level visibility into transactions, issues, exceptions, and risks throughout the lending pipeline.
Collaborate with internal and external partners to streamline transaction workflows and reduce barriers for homebuyers.
Design Habitat systems and procedures that align with lender, title company, and escrow practices to improve home-sale efficiency and scalability.
Oversee origination of second, subsidy mortgages and ensure compliance with applicable regulations and organizational policies.
Partner with lenders, title companies, and nonprofit partners to plan closings and align programs with lender standards.
Educate homebuyers about mortgage terms, affordability restrictions, and resale conditions in group and individual settings.
Serve as an organizational expert on mortgage lending requirements, regulations, and best practices; identify compliance or operational issues and develop and maintain policies and procedures.
Assist homebuyers in accessing and applying for down payment assistance.
Train and provide technical assistance to staff on lending concepts, compliance updates, and mortgage industry changes.
Oversee monitoring and follow-up on homeowner compliance with mortgage and affordability requirements, escalating significant or complex matters as appropriate.
Monitor lending industry trends, regulations, laws, and programs for first-time buyers and homeowners, and work with the homeownership team to adjust services.
Provide guidance and technical support on loan and title matters related to the Home Repair Program.
Assist Habitat homeowners through the resale process and contribute to the design and implementation of buy-back policies and procedures.
Develop and oversee delinquency-monitoring, homeowner-support, and intervention policies, including reviewing individual cases and recommending next steps.
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 communications and actions are documented consistently and comply with CFPB requirements and organizational policy.
Prepare a monthly delinquency report and review it with the 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, mentor, and support the growth of the Loan Processing Coordinator.
Support the Director of Homeownership Programs in developing revenue projections and lasting-affordability pricing models aligned with financial goals and long-term affordability standards.
Identify and implement system and workflow improvements with lenders and title and escrow partners to help Habitat scale home sales efficiently.
Contribute to the organizational culture and embody Habitat’s mission, vision, and values.

Benefits

Employer-paid medical, vision, alternative care, and prescription health insurance premiums for the employee, with 50% of dependent premiums paid.
Employer-funded Health Reimbursement Account (HRA).
Employer-paid dental insurance premiums for the employee, with 50% of dependent premiums paid.
Paid time off, including starting vacation and sick leave, paid holidays, and a paid birthday off.
3% matching 403(b) retirement savings plan.
Flexible Spending Accounts (FSA).
Disability insurance.
Life insurance.
Employee Assistance Program (EAP).
Paid family and medical leave.