Lending & Compliance Manager

Habitat for Humanity • Portland, OR

48d • $66,547 - $96,493 • Hybrid

About The Position

At Habitat for Humanity Portland Region we believe that everyone deserves a stable and affordable place to call home. Founded in 1981, we have built and repaired homes in partnership with over 3,000 people across the Portland region. Habitat for Humanity Portland Region is an independent affiliate of Habitat for Humanity International and operates out of three offices, four brick-and-mortar stores, one warehouse, and construction sites in Portland, Hillsboro, King City, Gresham, and Lake Oswego. Habitat Portland Region is intentional about building a healthy and thriving organizational culture and envisions a community of staff, partners, volunteers, and donors who are deeply committed to equitable and anti-racist practices in every facet of our organization. All of our staff engage in continual learning and seek ways to operationalize equitable practices. Our Equity Statement and Cultural Compact are living, breathing documents that we continually work toward. Please visit our website and social media pages to learn more.

Requirements

• 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.
• Any combination of formal education, paid work experience, unpaid/volunteer experience, and life experience will be considered.

Nice To Haves

• Verbal fluency in Vietnamese, Burmese, Spanish, Arabic, Russian, or Amharic.
• Experience working with affordable homeownership buy-down programs such as IDA's, downpayment assistance loans, downpayment assistance grants, etc.
• Experience designing, implementing, or managing Special Purpose Credit Programs (SPCPs) to advance equitable access to homeownership
• Experience as a HUD-Certified Housing Counselor, supporting clients in achieving sustainable and equitable homeownership outcomes.
• Experience or familiarity with lasting affordability models for homeownership (e.g., land trusts, deed restrictions, shared equity)
• Have a bachelor's degree in finance, business, or a related field, or equivalent work experience.

Responsibilities

• Oversee the home sale process, ensuring transparency, efficiency, and compliance with municipal, state, and federal requirements.
• 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 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.
• 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.
• 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

Benefits

• 100% employer-paid premium for health insurance (medical, vision, alternative care, prescriptions) for employee; 50% premium paid for dependents
• 100% employer-funded Health Reimbursement Account (HRA)
• 100% employer-paid premium for dental insurance for employee; 50% premium paid for dependents
• Generous paid time off: starting at three weeks of Vacation time, two weeks of Sick time; 11 paid holidays, paid birthday off
• 3% matching 403(b) retirement savings plan
• Flexible Spending Accounts (FSA)
• Disability insurance
• Life insurance
• Employee Assistance Program (EAP)

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Industry: Religious, Grantmaking, Civic, Professional, and Similar Organizations
• Number of Employees: 501-1,000 employees