Reports To: President & CEO

FLSA Status: Exempt

Major Responsibilities/Accountabilities:

Single-Family and ROC Lending Responsibilities/Accountabilities:

• Develops and manages loan origination systems for single-family and ROC lending in collaboration with team needs
• Leads the third-party sub-servicer contract and relationship
• Leads organization-wide portfolio management and continuously improves policies and practices
• Manages, formulates, recommends, and evaluates policies and programs to aid in the collection of past-due accounts, including foreclosure and sales of single-family Other Real Estate Owned in collaboration with ROC-NH and the Credit Administration team
• Manages administrative and operational systems of single-family and ROC lending programs in accordance with established lending systems
• Manages staff, including training, performance reviews and implementation of the Community Loan Fund’s personnel policy
• Develops relationships with secondary mortgage market lenders, regional lending partners, titling companies, property management firms, insurance partners and other key related Industry stakeholders to best serve our borrowers
• Implements the Fannie Mae New Hampshire Manufactured Housing Initiative in collaboration with the ROC-NH team
• Coordinates sales of seasoned single-family loan pools to secondary mortgage market buyers as needed for liquidity purposes
• Leads new product development for single-fmaily and ROC lending activities
• Participates directly in structuring and restructuring complex transactions
• Assists with determining annual single-family and ROC lending team goals and is responsible for execution of those goals
• Assumes other duties as may be required in the performance of the job
• Adheres to policies, procedures, and regulatory guidelines, including fair lending and ethical behavior

Portfolio Management:

• Oversees loan portfolio performance, monitoring key metrics to identify risks and opportunities
• Lead portfolio growth efforts aligned with organizational goals
• Directs single-family and ROC loan origination, underwriting, structuring, and documentation
• Ensures loan terms and credit decisions align with risk appetite and internal policies
• Oversees development and evaluation of lending policies, loan products, and program criteria
• Oversees distressed loans, including modifications, borrower support, and foreclosure actions
• Oversees residential and ROC loan collections with consistent, mission‑aligned practices
• Oversees credit and operational risk management across lending activities
• Maintains risk‑rating guidelines, closing procedures, and risk management practices
• Ensures compliance with fair lending, GAAP, regulatory requirements, and internal ethical standards
• Oversees Credit Committee, delinquency reviews, and quarterly portfolio meetings
• Supports cross-organizational initatives including the development of new financial products and strategies as we look to expand our clients, investment products and sources of capital
• Coordinates with President/CEO and senior leadership on financing policies and related procedures
• Leads continuous quality improvement for single‑family and ROC lending programs
• Recommends and supports implementation of systems and technology improvements
• Supports consistent, ethical operation of lending programs aligned with mission and values
• Manages and develops a team of professionals through coaching and training

Education and Experience

• Bachelor’s Degree preferred; equivalent experience will be considered
• Minimum 7-10 years of community development finance, banking, or mortgage industry experience
• Knowledge of and demonstrated experience in all aspects of loan origination
• Experience with loan origination and servicing software systems
• Familiarity with loan documentation and loan disclosures
• Experience with Microsoft Office programs (Work, Excel, Outlook, etc.)

Qualifications

• Strong organizational skills, attention to detail, and ability to timely manage multiple priorities and meet deadlines in a fast-paced environment
• Self-motivated individual contributor as well as a flexible team player
• Excellent communication skills, including superb listening skills
• Ability to work collaboratively with diverse groups and across organizational programs and teams
• Is empowered by a team-oriented and mission-driven workplace
• Maintains high ethics with respect to borrowers, colleagues and the public at large when representing the Community Loan Fund
• Travel required for occasional evening and weekend meetings
• Ability to maintain confidentiality
• Committed to the Community Loan Fund’s mission

Physical Demands

The physical demands described herein are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodation may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee is regularly required to sit, talk, and hear. The employee is regularly required to stand, walk, use hand to finger, handle, and reach with hands and arms above shoulder height, stoop, kneel, and crouch. Specific vision abilities required in this job include the ability to adjust focus between near and far.

• Ability to answer telephones and use standard office equipment (copier, fax, etc.);
• Ability to read, write, and understand and speak English clearly;
• Ability to use a computer for Community Loan Fund business;
• Ability to travel as necessary and work some evenings and weekends; and
• Ability to lift at least five pounds.

Employment Details

• Location: Concord, NH and hybrid (in office Tuesday and Wednesday; training will be in person)
• Salary range: $120,000 to $140,000

Work Environment

We are a team of creative thinkers and problem solvers. We love creating new opportunities and solutions for our neighbors to succeed. The work environment characteristics described here are representative of those employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee will be in an environment with a noise level that is usually moderate.

About New Hampshire Community Loan Fund             

We believe in a Neighbors-Investing-in-Neighbors philosophy. Since 1983, we have provided systematically excluded people and communities with loans, coaching, and guidance that enables them to become economically secure.

From helping people purchase manufactured homes, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities. We focus on four areas of community development finance:

• Affordable Homeownership
• Small Businesses & Nonprofits
• Energy Efficiency Solutions
   

To Apply

If the description above is a good fit for your skills, abilities, and interests, we would love to hear from you! Please email us a resume with a cover letter to careers@communityloanfund.org with subject line of “Senior Vice President of Residential Lending & Portfolio Management".

New Hampshire Community Loan Fund adheres to policies, procedures, and regulatory guidelines, including fair lending and ethical behavior. We are an Equal Opportunity Employer.