HNS Lending Services Manager

Date Opened: Tuesday, July 07, 2026 12:00 AM

Close Date: Wednesday, July 22, 2026 12:00 AM

Department: Housing & Neighborhood Services Department

Salary: $94,029.00 - $135,167.5 Commensurate with Experience

Welcome to the City of Charlotte

Charlotte is America’s 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 City’s 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 City’s 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 City’s 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 City’s 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 City’s 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:

• Bachelor’s degree in finance, business administration, public administration, real estate, accounting, urban planning, community development, or a related field.  Master’s degree a plus.
• Master’s 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 Bachelor's degree and 5 year(s) of relevant experience; or Master's degree and 3 year(s) of relevant experience.

CONDITIONS OF EMPLOYMENT

The City’s 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 candidate’s 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 [email protected].

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.

Click here to learn more about the City of Charlotte’s benefits.

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