Lending & Compliance Manager

Habitat for Humanity International; Portland (OR); On-site; USD 67,000 - 82,000; Full time

Job summary

Habitat for Humanity Portland Region is seeking a Lending & Compliance Manager to oversee the home sale and mortgage lending pipeline from origination to servicing, ensuring accuracy, compliance, and alignment with policies. You will guide staff toward lending excellence and work with lenders, title companies, and partners to streamline closings.

You will educate buyers on mortgage terms, affordability restrictions, and resale conditions, while designing scalable processes that improve

Qualifications

• 5+ years in mortgage lending or related field
• Strong knowledge of CFPB regulations and lending laws
• Proven ability to develop and maintain compliance systems
• Excellent communication and relationship-building with buyers, lenders, title companies, and legal advisors
• Strong organizational skills with experience creating efficient processes
• Commitment to affordable homeownership and serving diverse communities
• Strategic thinker who uses data, feedback, and goals to improve efficiency, equity, and mission alignment
• Proficiency in mortgage servicing systems and related software

Responsibilities

• Oversee the home sale and mortgage lending pipeline from loan preparation to closing, ensuring accuracy, timeliness, and compliance.
• Collaborate with internal and external partners to streamline transaction workflows and reduce barriers for homebuyers.
• Design and optimize Habitat’s internal lending systems and procedures to align with industry workflows.
• Oversee origination of second (subsidy) mortgages with regulatory compliance and policy adherence.
• Plan closings with lenders, title companies, and partners to ensure program alignment.
• Educate buyers on mortgage terms, affordability restrictions, and resale conditions in groups and one-on-one.
• Provide training and support to staff on lending concepts, compliance updates, and industry changes.
• Oversee ongoing homeowner compliance monitoring and escalate complex matters as needed.
• Keep informed of lending industry trends, regulations, and new programs to adjust services accordingly.
• Support_homeowners with home repair program loan and title matters as needed.
• Assist homeowners in resale processes and develop buy-back policies and procedures.
• Develop delinquency monitoring policies and intervention strategies with case-by-case reviews.
• Coordinate with loan services to ensure accurate servicing and customer care.
• Oversee escrow analyses, payoff requests, delinquency reporting, and foreclosure procedures.

Skills

Mortgage lending

CFPB regulations

Compliance systems

Communication

Organization

Strategic thinking

Affordability programs

Tools

Microsoft Office

Job description

The Habitat for Humanity Portland Region Lending & Compliance Manager is 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.

Responsibilities

• 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.
• 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
• 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

Qualifications

• 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.

Compensation

$66,547.00 to $81,520.11