Lending & Compliance Manager
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.
You’ll be responsible for:
Home Sales, Loan Origination, and Compliance
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.
Delinquency Management, Servicing, and Resales
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
Strategy and Leadership
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
To be successful in this role, you’ll**:
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.
To be considered above and beyond the average candidate in this role, you’ll also:
* 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.
Your work environment and activities:
* Your workday will be located in a human-paced, team-oriented, business-casual style office setting.
* Depending on the position’s responsibilities, you may be eligible for remote/hybrid work based on performance and access to essential work-related resources.
* While in the office, you will routinely use standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
* An office-based role means that your day will be mostly sedentary, with some time spent moving files, opening filing cabinets, bending, and/or standing on a stool as necessary.
* Occasionally, you will travel between other Habitat locations or temporary worksites.
Your Work Schedule:
* 40-hour work week, generally Monday - Friday 8:30am-4:30pm
* Occasionally, you may be asked to work overtime
Your Compensation:
$66,547 to $96,493.
Your Benefits Package:
We offer a comprehensive benefits package that includes:
* 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 to expect when you apply:
We strive to ensure our hiring process is accessible to all applicants. We know your time is valuable and want to acknowledge the time it can take to apply for a position. We ask you to 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].
#LI-aff
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.
You’ll be responsible for:
Home Sales, Loan Origination, and Compliance
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.
Delinquency Management, Servicing, and Resales
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
Strategy and Leadership
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
To be successful in this role, you’ll**:
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.
To be considered above and beyond the average candidate in this role, you’ll also:
* 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.
Your work environment and activities:
* Your workday will be located in a human-paced, team-oriented, business-casual style office setting.
* Depending on the position’s responsibilities, you may be eligible for remote/hybrid work based on performance and access to essential work-related resources.
* While in the office, you will routinely use standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
* An office-based role means that your day will be mostly sedentary, with some time spent moving files, opening filing cabinets, bending, and/or standing on a stool as necessary.
* Occasionally, you will travel between other Habitat locations or temporary worksites.
Your Work Schedule:
* 40-hour work week, generally Monday - Friday 8:30am-4:30pm
* Occasionally, you may be asked to work overtime
Your Compensation:
$66,547 to $96,493.
Your Benefits Package:
We offer a comprehensive benefits package that includes:
* 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 to expect when you apply:
We strive to ensure our hiring process is accessible to all applicants. We know your time is valuable and want to acknowledge the time it can take to apply for a position. We ask you to 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].
#LI-aff
Location:
Portland, OR
State/Region:
Oregon
Position Category:
Affiliate-Opportunity
Type:
Affiliate
Function:
US Affiliate
Travel:
About Habitat for Humanity
Habitat for Humanity, founded in 1976, is a global, Christian-based nonprofit organization that grew out of an intentionally multi-racial community in rural Georgia. Seeking to put God’s love into action, Habitat brings together people of all faiths and people of no faith to build homes, communities and hope. Working alongside each other, we help families and individuals build and improve places to call home and achieve the strength, stability and self-reliance they need to build better lives for themselves. Habitat seeks individuals who have a willingness to affirm these principles and values.
At Habitat for Humanity International, we are compelled by our Koinonia roots to put God’s love for all into action and pursue housing equity and opportunity by bringing all people together to build community and drive impact. We strive to build a culture rooted in learning, accountability and trust, attracting and retaining mission-driven talent reflective of the global communities we serve.
As an equal opportunity employer, we realize our success depends on courageously committing to being a workplace where all staff feel safe, welcome, visible, respected, supported and valued, and building a workforce that reflects a variety of lived experiences, backgrounds and perspectives, in which every person experiences dignity and respect.
We also require that all staff take seriously their ethical responsibilities to safeguarding our intended beneficiaries, their communities (especially children) and all those with whom we work. In line with the prevention of sexual exploitation and abuse, all staff must pass a thorough background screening and will be held accountable to upholding our policies around ethical behavior, including safeguarding and whistleblowing.