Hawaii Community Lending
Home Loan Manager
Hawaii Community Lending, Houston, Texas, United States,
Organization Overview
The Home Loan Manager of Hawaii Community Lending, Inc (HCL) serves as the manager responsible for managing the organization’s construction and mortgage loan programs.
Over the last 20 years, HCL has established itself as a highly respected native community development financial institution that was certified by the US Department of the Treasury in November 2014. Prior to 2014, HCL functioned as a program of its parent corporation, Hawaiian Community Assets, Inc. (HCA), specifically as mortgage broker and microlending.
The organization’s mission is to increase access to credit and capital for Native Hawaiians and other underserved populations in the State of Hawaii. Its philosophy – kahua waiwai (foundation of wealth) – espouses a sense of place in which it is viewed that every family needs a home, or stable foundation (kahua), in order to share their culture, traditions, spiritual teachings, social networks, connection to the land, and financial resources (waiwai). Foundations, if built properly, will serve and empower our families and communities for generations to come.
We are rooted by a vision that all Native Hawaiians will own a home and reconnect to ʻāina for spirituality, food security, economic self-sufficiency, and healing of generational trauma from the systematic separation of our people from our ancestral lands. When we realize this vision together, our ʻohana will anchor a 21st century Hawaiian economy centered on Hawaiian values, equity, and collective well-being throughout diverse and inclusive communities.
HCL administers two primary funds – the Hawaii Emergency Loan Program and the Hawaii Affordable Housing Fund. HCL originates, processes, underwrites, closes, and services all loans as well as provides mortgage brokering and packaging services to its borrowers. HCA provides development services to all HCL borrowers including financial education, credit counseling, and homebuyer education and pre-purchase counseling. Together, HCL and HCA provide community members with both financial education and the opportunity to act, also known as financial capability.
Since its inception in 2002, the organization has served more than 3,000 Hawaii households with grants, loans, and mortgage brokering and packaging services, assisting underserved low- and moderate-income communities access more than $180 million for affordable housing and community development.
HCL is currently governed by a Board of Directors appointed by the HCA Board of Directors. The Boards and Executive Directors of HCL and HCA work closely together to develop and implement shared, culturally-relevant, and comprehensive affordable housing and community development strategies. HCL operates with 23 staff who work remotely and co-locate with HCA at its Financial Opportunity Centers strategically placed in or near underserved communities within Hawaii’s four counties.
Responsibilities
Mortgage Lending
Distribute, collect, and originate affordable housing and mortgage loan applications
Conduct mortgage qualification estimates and pre-qualifications
Issue pre-qualification letters to qualified homebuyers
Oversee packaging and submitting USDA 502 Direct and HCL Relending Loan packages for qualified homebuyers as well as Kapili Construction, renovation, and broker loans for purchase or refinancing.
Work with contracted or in-house program managers, packagers, loan consultants, processors, underwriters, and servicers to ensure customer satisfaction
Conduct loan closings with qualified homebuyers
Assist homebuyers in accessing down payment and closing cost assistance programs
Refer homebuyers to additional resources and services to address their economic needs
Maintain electronic client files through HCL’s mortgage loan software systems
Marketing/Partnerships
Lead community outreach efforts to promote HCL loan products and mortgage loan packaging/brokering by delivering presentations and training workshops to borrowers and community partners via in-person and virtual meeting platforms
Network to improve the presence and reputation of the company with key stakeholders including, but not limited to, local residents, mortgage lenders, government agencies, building suppliers, and housing developers and contractors
Develop and maintain partnerships with mortgage lenders, title and escrow companies, homeowner insurance providers, realtors, government agencies, and community organizations
Stay abreast of competing markets and provide reports on market movement and loan deployment strategies
Compliance/Quality Control
Address customer and employee satisfaction issues promptly
Adhere to high ethical standards, and comply with all regulations/applicable laws related to mortgage loan packaging and brokering
Maintain communication with applicants and borrowers in accordance with company standards and loan policies and procedures
Review, and maintain up-to-date understanding, of Federal and conventional mortgage loan programs
Maintain certification as nonprofit Mortgage Loan Originator and USDA 502 Direct loan packager
Obtain the necessary training and certifications to perform lending responsibilities in compliance with Federal, State, and CDFI requirements
Meet HCL affordable housing and mortgage loan program goals and metrics
Assist with securing and maintaining HCL’s nonprofit mortgage loan originator license
Ensure the proper handling and maintenance of confidential, sensitive and/or proprietary information
Perform job duties in accordance with HCL’s policies and procedures
Consider HCL’s mission and core values when making decisions
Staff Training/Capacity Building
Share knowledge with Financial Opportunity Center staff, HCL staff and senior management on effective practices, competitive intelligence, business opportunities and needs
Coordinate, conduct, and support the delivery of mortgage loan training for HCL staff
Bring out the best of the affordable housing and mortgage loan program personnel by providing training, coaching, development opportunities, and positive motivation
Develop and deliver trainings for Financial Opportunity Center and HCL staff and trainees to understand mortgage loan programs for homebuyers on and off Hawaiian Home Lands
Participate in HCL team meetings to review homebuyer pipelines and partner meetings to provide training related to mortgage industry and affordable housing loan program updates
Collaborate with Community Development department with loan pipeline management and Finance department with reporting performance measures and deliverables to lending capital and grant funders
Review and approve direct report staff time sheets through HR Symphony employee management system
Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities
Coordinate and conduct annual employee evaluations for direct report staff
Other activities as assigned by the Lending Director
This is a full-time position with a 32-hour work week. This position is located in Hawaii with the option of remote work and services to be delivered throughout the State of Hawaii.
Qualifications
3-years management or comparable field related experience as the lead of a banking, finance, or lending program
USDA 502 Direct Loan Packager Certification
Mortgage Loan Originator Certification
Working knowledge of Microsoft Office computer programs (Word, Excel, Access, Publisher)
Strong oral and written communication skills
Comfortable speaking one-on-one with individuals and in front of families/groups
Ability to work independently or as part of a team
Must be at least 18 and have a High School Diploma/GED
Preferred
Knowledge and understanding of Hawaiian culture and values
Experience in mortgage loan origination and mortgage transactions on Hawaiian Home Lands
In-depth understanding of Hawaiian Home Lands
Willingness to travel and work weekends and outside of regular office hours (M- F, 8a-5p) when necessary
Compensation
Salaried position: range $75,000-$90,000 annually; commensurate with management experience
Paid Time Off
Healthcare, Temporary Disability, Workers Compensation Insurance, and Group Long-Term Disability and Life Insurance
401(k) match after 12 months of employment
Professional development trainings in Hawaii and the continental United States
Job Type:
Full-time
Pay:
$75,000.00 - $90,000.00 per year
Benefits:
401(k)
401(k) matching
Dental insurance
Flexible spending account
Health insurance
Life insurance
Paid time off
Professional development assistance
Vision insurance
Schedule:
8 hour shift
Monday to Friday
Weekends as needed
Education:
High school or equivalent (Preferred)
Experience:
Management: 3 years (Preferred)
Willingness to travel:
25% (Preferred)
Work Location:
In person
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The Home Loan Manager of Hawaii Community Lending, Inc (HCL) serves as the manager responsible for managing the organization’s construction and mortgage loan programs.
Over the last 20 years, HCL has established itself as a highly respected native community development financial institution that was certified by the US Department of the Treasury in November 2014. Prior to 2014, HCL functioned as a program of its parent corporation, Hawaiian Community Assets, Inc. (HCA), specifically as mortgage broker and microlending.
The organization’s mission is to increase access to credit and capital for Native Hawaiians and other underserved populations in the State of Hawaii. Its philosophy – kahua waiwai (foundation of wealth) – espouses a sense of place in which it is viewed that every family needs a home, or stable foundation (kahua), in order to share their culture, traditions, spiritual teachings, social networks, connection to the land, and financial resources (waiwai). Foundations, if built properly, will serve and empower our families and communities for generations to come.
We are rooted by a vision that all Native Hawaiians will own a home and reconnect to ʻāina for spirituality, food security, economic self-sufficiency, and healing of generational trauma from the systematic separation of our people from our ancestral lands. When we realize this vision together, our ʻohana will anchor a 21st century Hawaiian economy centered on Hawaiian values, equity, and collective well-being throughout diverse and inclusive communities.
HCL administers two primary funds – the Hawaii Emergency Loan Program and the Hawaii Affordable Housing Fund. HCL originates, processes, underwrites, closes, and services all loans as well as provides mortgage brokering and packaging services to its borrowers. HCA provides development services to all HCL borrowers including financial education, credit counseling, and homebuyer education and pre-purchase counseling. Together, HCL and HCA provide community members with both financial education and the opportunity to act, also known as financial capability.
Since its inception in 2002, the organization has served more than 3,000 Hawaii households with grants, loans, and mortgage brokering and packaging services, assisting underserved low- and moderate-income communities access more than $180 million for affordable housing and community development.
HCL is currently governed by a Board of Directors appointed by the HCA Board of Directors. The Boards and Executive Directors of HCL and HCA work closely together to develop and implement shared, culturally-relevant, and comprehensive affordable housing and community development strategies. HCL operates with 23 staff who work remotely and co-locate with HCA at its Financial Opportunity Centers strategically placed in or near underserved communities within Hawaii’s four counties.
Responsibilities
Mortgage Lending
Distribute, collect, and originate affordable housing and mortgage loan applications
Conduct mortgage qualification estimates and pre-qualifications
Issue pre-qualification letters to qualified homebuyers
Oversee packaging and submitting USDA 502 Direct and HCL Relending Loan packages for qualified homebuyers as well as Kapili Construction, renovation, and broker loans for purchase or refinancing.
Work with contracted or in-house program managers, packagers, loan consultants, processors, underwriters, and servicers to ensure customer satisfaction
Conduct loan closings with qualified homebuyers
Assist homebuyers in accessing down payment and closing cost assistance programs
Refer homebuyers to additional resources and services to address their economic needs
Maintain electronic client files through HCL’s mortgage loan software systems
Marketing/Partnerships
Lead community outreach efforts to promote HCL loan products and mortgage loan packaging/brokering by delivering presentations and training workshops to borrowers and community partners via in-person and virtual meeting platforms
Network to improve the presence and reputation of the company with key stakeholders including, but not limited to, local residents, mortgage lenders, government agencies, building suppliers, and housing developers and contractors
Develop and maintain partnerships with mortgage lenders, title and escrow companies, homeowner insurance providers, realtors, government agencies, and community organizations
Stay abreast of competing markets and provide reports on market movement and loan deployment strategies
Compliance/Quality Control
Address customer and employee satisfaction issues promptly
Adhere to high ethical standards, and comply with all regulations/applicable laws related to mortgage loan packaging and brokering
Maintain communication with applicants and borrowers in accordance with company standards and loan policies and procedures
Review, and maintain up-to-date understanding, of Federal and conventional mortgage loan programs
Maintain certification as nonprofit Mortgage Loan Originator and USDA 502 Direct loan packager
Obtain the necessary training and certifications to perform lending responsibilities in compliance with Federal, State, and CDFI requirements
Meet HCL affordable housing and mortgage loan program goals and metrics
Assist with securing and maintaining HCL’s nonprofit mortgage loan originator license
Ensure the proper handling and maintenance of confidential, sensitive and/or proprietary information
Perform job duties in accordance with HCL’s policies and procedures
Consider HCL’s mission and core values when making decisions
Staff Training/Capacity Building
Share knowledge with Financial Opportunity Center staff, HCL staff and senior management on effective practices, competitive intelligence, business opportunities and needs
Coordinate, conduct, and support the delivery of mortgage loan training for HCL staff
Bring out the best of the affordable housing and mortgage loan program personnel by providing training, coaching, development opportunities, and positive motivation
Develop and deliver trainings for Financial Opportunity Center and HCL staff and trainees to understand mortgage loan programs for homebuyers on and off Hawaiian Home Lands
Participate in HCL team meetings to review homebuyer pipelines and partner meetings to provide training related to mortgage industry and affordable housing loan program updates
Collaborate with Community Development department with loan pipeline management and Finance department with reporting performance measures and deliverables to lending capital and grant funders
Review and approve direct report staff time sheets through HR Symphony employee management system
Locate areas of improvement and propose corrective actions that meet challenges and leverage growth opportunities
Coordinate and conduct annual employee evaluations for direct report staff
Other activities as assigned by the Lending Director
This is a full-time position with a 32-hour work week. This position is located in Hawaii with the option of remote work and services to be delivered throughout the State of Hawaii.
Qualifications
3-years management or comparable field related experience as the lead of a banking, finance, or lending program
USDA 502 Direct Loan Packager Certification
Mortgage Loan Originator Certification
Working knowledge of Microsoft Office computer programs (Word, Excel, Access, Publisher)
Strong oral and written communication skills
Comfortable speaking one-on-one with individuals and in front of families/groups
Ability to work independently or as part of a team
Must be at least 18 and have a High School Diploma/GED
Preferred
Knowledge and understanding of Hawaiian culture and values
Experience in mortgage loan origination and mortgage transactions on Hawaiian Home Lands
In-depth understanding of Hawaiian Home Lands
Willingness to travel and work weekends and outside of regular office hours (M- F, 8a-5p) when necessary
Compensation
Salaried position: range $75,000-$90,000 annually; commensurate with management experience
Paid Time Off
Healthcare, Temporary Disability, Workers Compensation Insurance, and Group Long-Term Disability and Life Insurance
401(k) match after 12 months of employment
Professional development trainings in Hawaii and the continental United States
Job Type:
Full-time
Pay:
$75,000.00 - $90,000.00 per year
Benefits:
401(k)
401(k) matching
Dental insurance
Flexible spending account
Health insurance
Life insurance
Paid time off
Professional development assistance
Vision insurance
Schedule:
8 hour shift
Monday to Friday
Weekends as needed
Education:
High school or equivalent (Preferred)
Experience:
Management: 3 years (Preferred)
Willingness to travel:
25% (Preferred)
Work Location:
In person
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