Lending and Compliance Manager

Habitat for Humanity Portland Region•Portland, OR

2d•$66,547 - $96,493

About The Position

The Lending & Compliance Manager oversees Habitat for Humanity Portland Region’s lending functions, including home-sale transactions and mortgage origination, compliance, servicing, delinquency management, and resales. The role ensures transactions are accurate, timely, compliant with applicable regulations and organizational policies, and aligned with funding requirements. It also develops and improves systems and procedures to make home sales more efficient, scalable, and accessible while supporting lasting affordability for homebuyers. The manager works with homebuyers, lenders, title companies, escrow partners, nonprofit organizations, city partners, servicers, legal advisors, and internal staff. The position educates buyers about mortgage terms, affordability restrictions, and resale conditions; supports access to down-payment assistance; monitors homeowner compliance; and provides staff training and technical assistance on lending and compliance matters. It also oversees delinquency reporting and interventions, servicing matters, and foreclosure procedures when necessary. The role supervises the Loan Processing Coordinator and supports the Director of Homeownership Programs with revenue projections and affordability pricing models. The work is based in a human-paced, team-oriented, business-casual office setting. Remote or hybrid work may be available depending on responsibilities, performance, and access to essential resources. The position is generally a 40-hour work week, Monday through Friday, 8:30 a.m. to 4:30 p.m., with occasional work outside standard business hours and occasional travel to other Habitat locations or temporary worksites.

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 the 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.
Contribute to the organization’s culture and embody its mission, vision, and values.
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.
A 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, maintaining visibility into transactions, issues, exceptions, and risks.
Collaborate with internal and external partners to streamline workflows and reduce barriers for homebuyers.
Design Habitat’s internal systems and procedures in alignment with lender, title-company, and escrow practices to improve efficiency and scalability.
Oversee origination of Habitat’s second, or subsidy, mortgages and ensure compliance with applicable regulations and organizational policies.
Partner with lenders, title companies, and nonprofit partners to plan closings and ensure program alignment with lender standards.
Educate homebuyers individually and in groups about mortgage terms, affordability restrictions, and resale conditions.
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 of homeowner compliance with mortgage and affordability requirements, escalating significant or complex matters as appropriate.
Monitor lending-industry trends, regulations, laws, and emerging programs, 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 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; review individual cases and recommend next steps when needed.
Coordinate with loan services to ensure accurate service and quality customer care for homeowners.
Oversee escrow analyses, payoff requests, delinquency reporting, and foreclosure procedures, delegating operational tasks as appropriate.
Ensure consistent documentation of communications and actions in compliance 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 and mentor the Loan Processing Coordinator, providing direction and opportunities for growth.
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 support efficient scaling of home sales.

Benefits

Employer-paid medical, vision, alternative care, and prescription health insurance premiums for the employee; 50% of dependent premiums paid.
Employer-funded Health Reimbursement Account (HRA).
Employer-paid dental insurance premiums for the employee; 50% of dependent premiums paid.
Paid time off, including starting vacation and sick time, 11 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.