Habitat for Humanity International · 3 days ago
Lending & Compliance Manager
Portland, OR
Full-time
Hybrid
Mid, Senior Level
$67K/yr - $96K/yr
5+ years expHabitat for Humanity International is dedicated to providing affordable housing solutions. The Lending & Compliance Manager will oversee the home sale process, manage loan origination, and ensure compliance with relevant regulations while collaborating with various partners to enhance efficiency in home sales.
ConstructionHomeless ShelterNon ProfitResidential
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
Qualification
Required
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
Preferred
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
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)
Company
Habitat for Humanity International
Habitat for Humanity provides affordable housing solutions through community partnerships and volunteer efforts.
501-1000 employees
Funding
Current Stage
Late StageTotal Funding
$3.73MKey Investors
Kauffman FoundationThe Cigna Group FoundationBlackHawk Network
2025-05-08Grant
2024-08-12Grant· $0.25M
2024-01-24Grant· $1M
Leadership Team
Elizabeth Satow
Area Vice President Asia Pacific
Recent News
2025-12-16
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