Lending and Compliance Manager

Habitat for Humanity Portland Region; Portland (OR); Hybrid; USD 67,000 - 82,000; Full time

Benefits offered by this job

Health insurance

Dental insurance

Vision insurance

Paid time off

Life insurance

Paid family leave

HRA

Job summary

Habitat for Humanity Portland Region is seeking a Lending & Compliance Manager to oversee the home sale and mortgage lending pipeline from origination through closing, ensuring accuracy and compliance. You will work with lenders, title companies, and nonprofit partners to streamline processes and maintain policy-driven controls.

You will also educate buyers on mortgage terms, manage second mortgages, and provide staff training on lending concepts and regulatory updates to ensure sustainable,

Qualifications

• Minimum 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 with homebuyers, lenders, title companies, servicers, and legal advisors.

Responsibilities

• Oversee home sale and mortgage lending pipeline from origination through closing, ensuring accuracy and compliance.
• Collaborate with partners to streamline workflows and reduce barriers for homebuyers.
• Design internal systems and procedures aligned with industry workflows to improve efficiency.
• Oversee origination of second mortgages and ensure regulatory compliance.
• Educate buyers on mortgage terms, affordability, and resale conditions.
• Provide training to staff on lending concepts and compliance updates.
• Monitor ongoing homeowner compliance and escalate complex matters as needed.
• Keep informed of lending trends and regulations to adjust services accordingly.

Skills

Mortgage lending

Regulatory compliance

CFPB regulations knowledge

Policy development

Stakeholder collaboration

Training and mentorship

Education

Bachelor's degree in finance or business

Equivalent work experience

Tools

Microsoft Office

Mortgage servicing systems

Job description

Lending & Compliance Manager

Department: Homeownership & Neighborhood Programs

Reports to: Director of Homeownership Programs

Time Commitment: Exempt

Level: H

Compensation: $66,547.00 to $81,520.11; We offer a comprehensive benefits package that includes medical, dental, and vision insurance, generous paid time off, life insurance, paid family and medical leave, and more.

For details on the compensation, see the Your Compensation section below.

Note to Candidates: We strongly encourage you to apply, even if you don’t believe you meet every one of the qualifications described. Habitat is an organization committed to building a diverse and inclusive organization which means that we recognize that sometimes the best candidate may have a less traditional background. We acknowledge that requirements for educational and experience minimums create invisible barriers for historically oppressed populations in pursuit of employment. Combined with our equity practices, we focus on candidates’ abilities to excel within the responsibilities of the position, based on their experience found inside and outside formal education and/or work history. We welcome applicants from all communities, and strongly encourage Black, indigenous, and people of color, women, people with disabilities, immigrants, and members of the LGBTQ+ community to apply for this position.

Who You Are:

You’re fascinated by how affordable homeownership can change lives—and you love making the complex world of lending clear, compliant, and accessible. You bring deep knowledge of mortgage lending, compliance regulations, and affordable housing programs, and you’re energized by helping people navigate systems that often feel intimidating or opaque.

You love being both a strategist and a mentor. You oversee the lending functions that keep Habitat’s program running smoothly—from origination and closing to servicing and resale—while also guiding and supporting staff as they grow in their own lending expertise.

You’re at your best when collaborating across teams and with external partners. You work hand-in-hand with lenders, title companies, and city partners to streamline processes, troubleshoot challenges, and make sure every home sale closes smoothly and sustainably.

You take pride in designing systems that are both efficient and equitable. You’re constantly thinking about how to reduce barriers, strengthen compliance, and ensure lasting affordability for homebuyers.

You’re someone who balances precision with purpose. You care about accuracy and accountability, but your motivation comes from the people behind every loan file—the families reaching their goal of homeownership.

Who we are:

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 and mortgage lending pipeline from loan preparation and origination through closing, ensuring transactions are accurate, timely, compliant and align with organization policies and funding requirements. Maintain appropriate management‑level visibility into transactions, issues, exceptions and risks throughout the pipeline.
• 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; proactively identify compliance or operational issues 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.
• Oversee monitoring and follow‑up related to ongoing homeowner compliance with mortgage and affordability requirements, escalating significant or complex matters as appropriate.
• 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 including reviewing individual cases and recommending appropriate next steps when needed.
• 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 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 outside standard business hours

Your Compensation

We aim to offer competitive pay and benefits and are committed to equity and transparency in compensation. Basing compensation on a candidate’s willingness and/or ability to negotiate leads to inequities and bias in how employees are compensated, particularly for historically oppressed groups. Instead, we determine the best possible compensation offer based on base qualifications, relevant experience, internal equity, and the candidate’s competencies for the role demonstrated during the hiring process.

Successful candidates are typically hired within the first half of the Pay Range and receive scheduled incremental increases. When starting in this position, your compensation will generally be between $66,547 to $81,520.11, not exceeding the range midpoint. The full range for this position is $66,547 to $96,493.

Your Benefits Package

• 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)

Habitat for Humanity Portland Region is an equal opportunity employer and seeks to employ the best qualified people for all our positions in a manner that does not discriminate against any person because of race, color, religion, gender, marital status, age, national origin, physical or mental disability, sexual orientation, veteran/reserve national guard status, or any other status or characteristic protected by law.

This job description is intended as a guideline only and does not limit in any way the duties or responsibilities of any employee. Nothing herein shall be construed as a contract of employment, expressed or implied. All employment is terminable at will, with or without cause.