Lending Operations Manager

Twin Cities Habitat for Humanity
 Saint Paul, MN

Are you looking for meaningful and energizing work? A job where you feel connected to a mission and motivated to make a difference? Then you should consider a career at Twin Cities Habitat for Humanity. As part of our engaged and passionate team, you'll help power our mission to bring people together to create, preserve, and promote affordable homeownership and advance racial equity in housing. You would join a workplace that is inclusive, innovative, supportive, and so much more. Team members receive top-notch benefits packages and 20 vacation days in your first year. Pretty awesome right? Join our collaborative and creative team by applying today!

Job Summary

This position provides operational management and program support for Twin Cities Habitat for Humanity’s (TCHFH) lending subsidiary, TCHFH Lending, Inc. TCHFH Lending, Inc. provides home mortgages to low-and moderate-income households including homes built by Twin Cities Habitat for Humanity and homes purchased or rehabilitated on the open market. The Lending Operations Manager is responsible for maintaining successful, efficient and compliant day-to-day operations of the mortgage lending department, including oversight of loan originations, underwriting and servicing and management of external vendors. This position will comply with state, federal, security and compliance laws, and is responsible for developing and maintaining related department policies and procedures consistently. The Lending Operations Manager reports to the Vice President of Finance and Lending. Qualified candidates must hold a current NMLS Minnesota Mortgage Loan Originator License and be knowledgeable of current mortgage regulations.


Operations Management:

  • Manage day to day operational activities of TCHFH Lending, Inc. mortgage department.
  • Oversee loan origination, underwriting and servicing functions, including managing and developing broker relationship(s).
  • Manage external vendors for underwriting, servicing, reporting and compliance.
  • Develop and maintain lending policies and procedures to ensure consistent, high-quality program delivery.
  • Maintaining and improving process flows for consistent and prompt closings between vendors, staff, title/closing and customers.
  • Maintaining and improving process flows for consistent, effective and supportive workouts between vendors, staff and customers.
  • Manage to and report on established key performance indicators, identifying and communicating factors impacting those metrics.
  • Participate in cross-department teams with Homebuilding, Client Services, & Homeowner Development departments, developing and maintaining strong, supportive partnerships across divisions.
  • Identify, analyze and resolve operational problems; monitor and ensure productivity standards.

Industry Standards & Compliance:

  • Research and implement best practices in community-based lending and residential mortgages.
  • Keep current on mortgage origination, underwriting and servicing laws and regulations.
  • Ensure full compliance with applicable laws and mortgage regulations.
  • Monitor and adapt TCHFH’s practices to specific requirements of FNMA, FHLMC, GNMA, HUD, and other current and future private investors.
  • Participate in external trainings relevant to TCHFH’s lending products; train internal staff to ensure compliance with applicable regulations, policies and procedures.
  • Maintain individual NMLS MN MLO License and manage TCHFH’s NMLS waiver with Dept. of Commerce.

Team Development:

  • Set expectations for staff.
  • Select and on-board team members.
  • Provide regular coaching and feedback.
  • Annually appraise performance and use improvement plans if needed.
  • Identify training needs and ensure solutions are provided.

Other Responsibilities:

  • Represent TCHFH at various community events throughout the year; may include speaking publicly to groups.
  • Support and present at board and lending committee meetings.
  • General departmental support, special projects and other duties as assigned by VP of Finance and Lending.

Required Qualifications

Education, credentials, and experience:

  • BA/BS required. Preferred degree in field of finance/economics, business, accounting, or real estate.
  • Active/current NMLS Minnesota Mortgage Loan Originator License required.
  • 2+ years as manager of residential mortgage loan originations, underwriting, or loan portfolio and compliance.
  • Working knowledge of industry-standard underwriting, delivery requirements, and industry regulations.

Knowledge, Skills, Abilities and Competencies:

  • Proficient in Microsoft Office Suite. Advanced skills in Excel.
  • Proven oral, written and presentation skills.
  • Ability to demonstrate strong customer service, especially in working with low-and moderate-income individuals.
  • Ability to work with individuals of varied cultural, religious and language backgrounds and work through interpreters.
  • High level of integrity, confidentiality, and emotional intelligence.

Preferred Qualifications

Education, credentials, and experience:

  • Certification in community lending (National Development Council, NAMB, Neighbor Works NCHEC. etc.) preferred.
  • 5+ years in mortgage lending/banking environment; nonprofit, community-based lending, or CDFI experience a plus.
  • Previous experience with Habitat for Humanity organization, mission, and its borrowers a plus.

Knowledge, Skills, Abilities and Competencies:

  • Approachability: Welcoming and friendly disposition, with good interpersonal skills
  • Attention to Detail: Possess thorough, organized and a detail-oriented approach to work
  • Business Acumen: An emphasis on professionalism; able to exhibit appropriate environmentally-based behavior
  • Communication: Excellent communication and presentation skills with the ability to write professional documents and able to communicate concepts clearly and effectively
  • Continuous Learning: Makes ongoing adjustments, based on ongoing feedback. Ability to understand, follow and administer contemporary practices and knowledge in area of employment
  • Initiative: Self-motivated, able to work independently and capable of proactively and creatively initiating and completing tasks
  • Process Management: Ability to effectively plan, prioritize, coordinate, delegate and manage workload to meet goals and deadlines
  • Interpersonal Skills: Develops and maintains effective relationships with others; relates well to people from varied backgrounds and in different situations in an open, friendly, and professional manner; shows understanding, courtesy, tact, empathy, concern, and politeness.
  • Teamwork: Work as an effective and proactive team-player

Physical requirements and work environment

  • Work at a desk and computer while writing, typing and using the phone for extended periods of time
  • Ability to independently operate a motor vehicle
  • The majority of the work is performed in an office environment

Hours of work and required travel

  • 40 hours per week, hybrid flexible work arrangement: in-office 2-3 days per week minimum
  • Majority of office hours between 8am-6pm
  • Position requires some evening and weekend work
  • Some out-of-state travel for training and/or presentations, up to twice annually


$90,000 to 94,000 annually dependent on qualifications and experience. Exempt, salaried position with excellent benefit package.


Medical, dental, vision, free primary care home visits & virtual healthcare, pet insurance, 401(k) retirement plan with company match, flexible spending accounts, Health saving accounts, life insurance, short-term and long-term disability, tuition reimbursement, paid parental leave, 20 vacation days in the first year, 12 paid sick days, 2 paid volunteer days. See our careers page for more info.


Twin Cities Habitat for Humanity affirms its social and legal commitment to promote an atmosphere and environment that recognizes the principle and practice of equal employment opportunity. As such, Twin Cities Habitat for Humanity does not discriminate in employment opportunities or practices on the basis of age, race, color, religion, creed, sex, sexual orientation, gender identity, genetic information, national origin, marital status, status with regard to public assistance, membership in a local human rights commission, or status as a qualified individual with a disability or Vietnam era or other protected veteran.

Twin Cities Habitat’s policy applies to all terms and conditions of employment. To achieve our goal of equal opportunity, we maintain an affirmative action program through which we take good faith efforts to recruit, hire and advance in employment qualified minorities, women, persons with disabilities, Vietnam era veterans, and other protected veterans.