HNS Lending Services Manager

Date Opened: Tuesday July:00 AM

Close Date: Wednesday July:00 AM

Department: Housing & Neighborhood Services Department

Salary: $94029.00 - $135167.5 Commensurate with Experience

Welcome to the City of Charlotte

Charlotte is Americas Queen City opening her arms to a diverse and inclusive community of residents businesses and visitors alike. Here you will find a safe family-oriented city where people work together to help everyone thrive. The mission of the City of Charlotte is to deliver quality public services and promote the safety health and quality of life for all residents.

Our guiding principles include:

• Attracting and retaining a skilled and diverse workforce

• Valuing teamwork openness accountability productivity and employee development

• Providing all customers with courteous responsive accessible and seamless quality services

• Taking initiative to identify analyze and solve problems

• Collaborating with stakeholders to make informed decisions

SUMMARY

The HNS Lending Services Manager serves as a key leader within the Housing Services Division of Housing & Neighborhood Services responsible for overseeing the Citys homeownership lending loan administration and asset management functions. This position provides strategic and operational oversight for down payment assistance loan origination loan closings loan servicing portfolio administration and long-term compliance monitoring for City-supported housing investments.

The position manages a team responsible for processing and administering real estate-based housing loans including deferred forgivable amortizing and subordinate loan products. The Lending Services Manager ensures that lending activities are completed accurately timely and in accordance with applicable federal state and local requirements including requirements associated with HUD-funded programs such as HOME and CDBG.

This position requires strong knowledge of real estate lending affordable housing finance loan origination systems servicing practices and public-sector compliance requirements. The Lending Services Manager works closely with the Citys Real Estate Finance Legal and housing program teams as well as lenders closing attorneys nonprofit partners and borrowers to ensure that City housing investments are properly originated documented closed serviced monitored and protected over time.

Major Duties and Responsibilities:

• Provide leadership direction and management for the Citys lending services functions including down payment assistance loan origination loan closings servicing portfolio administration and asset management.
• Supervise mentor and support staff responsible for loan processing underwriting review closing coordination servicing compliance tracking borrower communication and portfolio management.
• Oversee the administration of down payment assistance and other homeownership lending programs ensuring that program guidelines eligibility requirements underwriting standards funding requirements and documentation procedures are applied consistently.
• Manage the full loan lifecycle including application intake eligibility review underwriting coordination loan approval document preparation closing onboarding servicing payoff subordination satisfaction forgiveness and record retention.
• Ensure that City-assisted loans are properly documented including promissory notes deeds of trust affordability restrictions closing disclosures settlement statements lien documents subordination agreements payoff statements and satisfaction documents.
• Coordinate closely with the Citys Real Estate Finance and Legal departments to support accurate loan documentation proper recording of security instruments funding disbursements fiscal reconciliation program income tracking and asset protection.
• Oversee quality control processes for loan files ensuring that required documents are complete accurate properly executed recorded when applicable and maintained in accordance with City HUD and audit requirements.
• Manage complex loan origination and servicing systems ensuring accurate data entry workflow management reporting document tracking portfolio monitoring and reconciliation across technology platforms.
• Review and evaluate loan terms borrower eligibility household income debt obligations affordability subsidy amount lien position and other financial factors to support responsible lending and sustainable homeownership outcomes.
• Develop maintain and update lending policies procedures workflows checklists desk guides and internal controls to improve consistency compliance efficiency and customer service.
• Monitor the Citys housing loan portfolio including deferred and forgivable loans amortizing loans subordinate liens affordability periods repayment obligations delinquencies payoffs refinances assumptions subordinations and releases.
• Provide oversight for asset management activities related to City housing investments including long-term compliance tracking portfolio risk review repayment monitoring lien management and financial reporting.
• Prepare reports and briefings for department leadership regarding loan production closings portfolio performance compliance status program income risk issues and process improvement needs.
• Coordinate with external partners including lenders closing attorneys title companies housing counseling agencies nonprofit administrators developers servicers and other stakeholders to resolve issues and ensure timely completion of lending activities.
• Provide training and technical assistance to internal staff and external partners regarding program requirements loan documentation closing processes servicing procedures compliance obligations and system workflows.
• Identify operational risks data discrepancies compliance concerns or process gaps and recommend corrective actions policy updates or system improvements.
• Support audits monitoring reviews public records requests and internal compliance reviews by ensuring that loan records are accurate complete and readily accessible.
• Stay current on federal state and local housing finance requirements mortgage lending practices affordable homeownership tools HUD guidance and emerging best practices in public-sector lending and portfolio management.

Knowledge Skills & Abilities:

• Strong knowledge of real estate lending mortgage loan origination loan closing loan servicing and portfolio management practices.
• Knowledge of affordable housing finance programs down payment assistance subordinate lending deferred and forgivable loan structures lien management and affordability compliance.
• Understanding of federal funding requirements particularly HUD-funded programs such as HOME and CDBG including income eligibility eligible uses underwriting responsible lending recordkeeping program income and monitoring requirements.
• Strong financial background with the ability to review borrower financial information loan terms settlement statements payoff calculations repayment obligations pro formas and portfolio-level financial reports.
• Experience working with complex loan origination servicing document management financial or case management systems.
• Ability to manage the full lifecycle of real estate-based loans from intake and underwriting review through closing servicing compliance monitoring payoff forgiveness or satisfaction.
• Ability to interpret and apply lending policies program guidelines legal documents funding requirements and regulatory standards.
• Strong understanding of real estate closing processes including title review lien position deed of trust recording closing attorney coordination settlement statements disbursement procedures and post-closing documentation.
• Ability to develop document and improve policies procedures workflows internal controls and quality assurance processes.
• Strong supervisory and team management skills including the ability to assign work monitor performance coach staff resolve operational issues and support professional development.
• Excellent analytical and problem-solving skills with the ability to identify compliance gaps financial risks system issues and process inefficiencies.
• Ability to build and maintain effective working relationships with City departments lenders attorneys nonprofit partners developers housing counselors borrowers and community stakeholders.
• Excellent written and oral communication skills including the ability to explain complex lending compliance and financial requirements to varied audiences.
• Strong organizational and project management skills with the ability to manage multiple deadlines loan files funding sources systems and partner relationships simultaneously.
• High attention to detail and ability to maintain accurate records in a regulated deadline-driven lending environment.
• Proficiency in Microsoft Office including Word Excel Outlook and Teams with advanced Excel skills preferred for tracking reconciliation reporting and portfolio analysis.

Preferred Qualifications:

• Bachelors degree in finance business administration public administration real estate accounting urban planning community development or a related field. Masters degree a plus.
• Masters degree preferred in business administration finance public administration real estate development planning or a related field.
• Seven or more years of progressive experience in real estate lending mortgage operations affordable housing finance public-sector lending loan servicing community development finance or a closely related field.
• Three or more years of supervisory or team leadership experience in a lending finance housing compliance or public administration environment.
• Experience managing down payment assistance homeownership lending subordinate mortgage deferred loan forgivable loan or public-sector loan programs.
• Experience administering or monitoring federally funded housing programs particularly HOME CDBG or other HUD-funded activities.
• Experience working with loan origination systems loan servicing platforms document management systems financial systems or housing program management systems.
• Experience coordinating with real estate finance legal lenders title companies closing attorneys housing counseling agencies and nonprofit partners.
• Professional certifications or training such as Housing Development Finance Professional Certified HOME Program Specialist CDBG/HOME training mortgage lending certification or NMLS-related training are preferred but not required.
• Bilingual (Spanish/English) a plus but not required.

Minimum Qualifications:

High School diploma or equivalent and 9 year(s) of relevant experience; or 2 Year College degree and 7 year(s) of relevant experience; or Bachelors degree and 5 year(s) of relevant experience; or Masters degree and 3 year(s) of relevant experience.

CONDITIONS OF EMPLOYMENT

The Citys Background Check Policy requires background checks to be conducted on final internal or external candidate(s) applying for any position with the City of Charlotte. The type of information that will be collected as part of a background check includes but is not limited to: reference checks social security verification education verification criminal conviction record check and if applicable a credit history check sex offender registry and motor vehicle records check.

Background checks must be in compliance with all federal and state statutes such as the Fair Credit Reporting Act (FCRA). The checks must be consistent with the guidelines set forth by these laws requiring organizations to obtain a candidates written authorization before obtaining a criminal background report motor vehicle records check or credit report; and to properly store and dispose of information derived from such reports.

Final candidates must pass a pre-employment drug-screening test and physical examination. During the selection process candidates may be asked to take a skills test and/or participate in other assessments.

The City of Charlotte is an Equal Opportunity Employer and does not unlawfully discriminate on the basis of race religion color sex national origin marital status age disability sexual orientation political affiliation or on the basis of actual or perceived gender as expressed through dress appearance or behavior.

Our culture is to serve the community honorably.

HOW TO APPLY

Apply online.

Federal law requires employers to provide reasonable accommodations to qualified individuals with disabilities. Please tell us if you require a reasonable accommodation to apply for a job.

You are welcome to visit the City of Charlotte Human Resources Department lobby where self-service application kiosks are available. They are located in our office at 700 East 4th Street Suite 200 Charlotte NC 28202. We are open Monday through Friday from 9:30 a.m. to 3:30 p.m. (EST) excluding official City holidays.

For questions about your application or the hiring process please email .

The City of Charlotte is committed to making our services and programs accessible to all. Upon request auxiliary aids written materials in alternate formats language access and other reasonable accommodations or modifications will be provided. To make a request please fill out the Innovation & Technology ADA request form or call 704.336.4120.

BENEFITS

The City of Charlotte provides a comprehensive benefits package to eligible employees.

Clickhereto learn more about the City of Charlottes benefits.

The City of Charlotte is a drug and alcohol-free workplace.