Lending & Compliance Manager
Habitat For Humanity Portland Region
Lead Habitat's mortgage lending, compliance, and resale operations while supervising staff.
7 days ago ago
$66,547 - $81,520
Intermediate (4-7 years), Expert & Leadership (13+ years), Experienced (8-12 years)
Full Time
Portland, OR
Hybrid
Company Size
72 Employees
Service Specialisms
Homeownership
Homeownership Education
Home Repair
Sector Specialisms
Residential
Utilities
Role
What you would be doing
policy development
loan origination
delinquency reporting
workflow optimization
stakeholder coordination
compliance management
- Contribute to the design and implementation of buy-back policies and procedures.
- Assist Habitat homeowners interested in selling their homes through the resale process.
- Partner with lenders, title companies, and nonprofit partners to plan closings and ensure program alignment with lender standards.
- Coordinate with loan services to ensure homeowners receive accurate service and quality customer care.
- Provide guidance and technical support on loan and title matters related to the Home Repair Program.
- Assist homebuyers in accessing and applying for down payment assistance
- Oversee escrow analyses, payoff requests, delinquency reporting, and foreclosure procedures, delegating operational tasks as appropriate.
- Identify and implement opportunities to improve systems and workflows in partnership with lenders and title/escrow partners, enabling Habitat to scale home sales efficiently
- Prepare monthly delinquency report and review with Director of Homeownership Programs
- Collaborate with internal and external partners to streamline transaction workflows and reduce barriers for homebuyers.
- 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 legal advisors with information needed to prepare and send letters and foreclosure notices, and manage the foreclosure process when necessary
- Provide training and technical assistance to staff on lending concepts, compliance updates, and mortgage industry changes.
- While in the office, you will routinely use standard office equipment such as computers, phones, photocopiers, filing cabinets, and fax machines.
- 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.
- Develop and oversee policies for delinquency monitoring, homeowner support, and intervention strategies.
- Ensure consistent documentation of communications and actions, maintaining compliance with CFPB and organizational policy.
- Serve as an organizational expert on mortgage lending requirements, regulations and best practices and develop and maintain policies and procedures
- Supervise the Loan Processing Coordinator, providing mentorship, direction, and opportunities for growth.
- Educate buyers on mortgage terms, affordability restrictions, and resale conditions, both in group settings and one-on-one.
- Oversee the origination of Habitat’s second (subsidy) mortgages for homebuyers, ensuring compliance with all applicable regulations and organizational policies.
- Oversee the home sale process, ensuring transparency, efficiency, and compliance with municipal, state, and federal requirements.
What you bring
mortgage
housing counselor
bachelor's
microsoft office
cfpb
5+ years
- Proven ability to develop and maintain compliance systems, policies, and procedures.
- At least 5 years of experience in mortgage lending, homeownership counseling, or related field.
- Excellent communication and relationship-building skills with homebuyers, lenders, title companies, colleagues, servicers, and legal advisors.
- Experience designing, implementing, or managing Special Purpose Credit Programs (SPCPs) to advance equitable access to homeownership
- Strong organizational skills with experience in creating efficient processes and systems.
- Occasionally, you will travel between other Habitat locations or temporary worksites.
- Experience or familiarity with lasting affordability models for homeownership (e.g., land trusts, deed restrictions, shared equity)
- 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.
- Have a bachelor’s degree in finance, business, or a related field, or equivalent work experience.
- Experience working with affordable homeownership buy-down programs such as IDA’s, down payment assistance loans, down payment assistance grants, etc.
- Experience as a HUD-Certified Housing Counselor, supporting clients in achieving sustainable and equitable homeownership outcomes.
- Proficiency in Microsoft Office and mortgage servicing systems.
- Verbal fluency in Vietnamese, Burmese, Spanish, Arabic, Russian, or Amharic.
- 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
- Any combination of formal education, paid work experience, unpaid/volunteer experience, and life experience will be considered.
- Strong knowledge of CFPB regulations and other lending laws.
- 100% employer-funded Health Reimbursement Account (HRA)
- Depending on the position’s responsibilities, you may be eligible for remote/hybrid work based on performance and access to essential work-related resources.
- 3% matching 403(b) retirement savings plan
- 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.
- Employee Assistance Program (EAP)
- Generous paid time off: starting at three weeks of Vacation time, two weeks of Sick time; 11 paid holidays, paid birthday off
- 40-hour work week, generally Monday - Friday 8:30am-4:30pm
- Life insurance
- 100% employer-paid premium for health insurance (medical, vision, alternative care, prescriptions) for employee; 50% premium paid for dependents
- Disability insurance
- Your workday will be located in a human-paced, team-oriented, business-casual style office setting.
- Flexible Spending Accounts (FSA)
- 100% employer-paid premium for dental insurance for employee; 50% premium paid for dependents
Information not given or found
Interview process
- candidates reviewed by hiring manager and team.
- screening phone call or virtual meeting for selected candidates.
- in‑person interview with hiring team for final round.
- possible second round of in‑person interviews for finalists.
Information not given or found
Security clearance- offer conditional on completing a background check covering criminal history and motor vehicle record.
- background check results considered for suitability but not automatically disqualifying.
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Company
Overview
1981
Year Founded
The organization was established in 1981 with a mission to build affordable housing in the Portland region.
- The organization relies on community volunteers and donations to construct homes for families in need.
- They offer a range of services, from home construction and renovation to repairs and critical home improvements.
- Habitat’s flagship projects focus on creating stable, safe, and affordable housing in the Portland area.
- The nonprofit partners with local governments, businesses, and volunteers to address the region’s housing crisis.
- The company operates multiple ReStores, selling donated goods to fund their mission of affordable homeownership.
- They serve a diverse range of individuals and families, prioritizing those who would otherwise be unable to afford a home.
- Habitat for Humanity Portland Region emphasizes the power of community-driven solutions to housing challenges.
- We commit to undoing systemic inequities and to being an anti-racist organization.
- We create opportunities for connection and community resiliency.
- We mobilize our community through meaningful action.
- We magnify our impact through enduring partnerships.
- We minimize our environmental impact and build a more sustainable future.
R-30 Walls
Advanced Insulation
Homes feature 2×6 advanced framing with insulation values ranging from R-23 to R-30 for walls, ensuring optimal energy efficiency.
2-3 ACH
Air Sealing Performance
Targeting ultra-low airflow rates, homes achieve 2–3 air changes per hour at 50 Pascals, significantly better than Energy Star standards.
U-0.20 Windows
Energy-Efficient Glass
Windows are triple-glazed with U-values as low as 0.20, exceeding code requirements and improving thermal performance.
60% Energy Star Lighting
Efficient Lighting Fixtures
At least 60% of hard-wired lighting fixtures meet Energy Star qualifications, reducing energy consumption.
- Partner with Earth Advantage; homes meet prerequisites across energy, health, land, materials, and water.
- R-15 insulated concrete slabs with Radon venting.
- ERV/HRV installed in every home; exhaust fans meet Energy Star standards.
- Use FSC-certified wood when feasible; source within 500 miles; low-VOC paints.
- Electric heat-pump water heaters or tankless systems where applicable.
- Low-flow faucets and toilets certified to WaterSense.
- Certified Energy Star builder partner; homes & condos verified via EPA inspections/testing.
80%
Homeowner Diversity
This figure highlights the significant representation of people of color among Habitat homeowners in the Portland region, emphasizing efforts to address racial disparities in homeownership.
- All Are Welcome: open‑door policy to all who believe in decent, affordable housing, regardless of race, religion, age, gender, sexual orientation or political views
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