Lending & Compliance Manager

Description

• 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.

Requirements

• 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.

Benefits

• 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

Training + Development

Interview process

Visa Sponsorship

Security clearance