HYP – Habitat for Humanity Greater San Francisco

Loan Officer

Job Title
Loan Officer
Job ID
San Francisco,  CA 94111
Other Location

Salary Range:  $104,380 - $112,375

What We Do

Habitat for Humanity Greater San Francisco believes in the power of homeownership to create generational impact. To this end, we build homes for first-time homeowners and sustain homeownership by helping vulnerable homeowners retain their home as an asset for generations to come.

Your Impact

The Loan Officer plays a critical role in ensuring that Habitat Greater San Francisco remains a compliant, accessible, and partnership-focused nonprofit for those interested in homeownership opportunities, home repairs, and current Habitat homeowners. The Officer is responsible for developing, administering, and implementing all aspects of Habitat’s lending program. You would oversee underwriting, screening, eligibility, and processing---evaluating, authorizing, and denying loan applications. In this capacity, you will ensure that we have efficient, standardized record-keeping processes and procedures in place for applicant loan files.  As someone who is well versed on industry lending standards, especially in affordable housing, you will be our point person for lending laws and regulations. Under your leadership and guidance, improvements and changes will be made to our underwriting policies, procedures, and systems. As such, you will lead the implementation of a fully electronic loan origination system that provide program efficiency and effectiveness. Lastly, the Loan Officer’s technical expertise will be critical in the repurchase and resale of HGSF homes, where loan documents will be reviewed thoroughly to determine the qualified sales price, considering subsidies and affordability restrictions.

Primary Responsibilities

Loan Underwriting (40%)

  • Manage the underwriting of all HGSF loans, overseeing loan processing with the primary responsibility of determining loan eligibility by evaluating income and credit worthiness.
  • Ensure that applications are processed fairly and consistently per Habitat’s underwriting process and requirements, in addition to any local/state/federal regulations
  • In partnership with the Senior Director, regularly assess underwriting processes and standards in keeping with HGSF values and best industry practices.  Advise organizational leadership on necessary improvements or changes. 
  • Lead the screening of applicants by reviewing applications through HGSF’s established evaluation criteria.
  • Engage third party lenders and other external agencies to ensure fair and consistent underwriting practices.
  • Oversee client-lender relationship, ensuring that consistent and clear communication with clients is met.
  • Manage appeals for disqualifications from programming.
  • Identify and implement customer service and process improvements using qualitative and quantitative data.
  • Work with outside counsel to develop accurate closing disclosures for borrowers.
  • Provide oversight and guidance in loan underwriting for home repair program including design and implementation.
  • Manage the repurchase and resale of HGSF homes through the review of loan documents, shared appreciation agreements, and loan payoff. This includes ongoing communication and facilitation between the homeowner(s), title company, appraiser, AmeriNat (mortgage servicer), and the Finance Department.

Data Collection, Recordkeeping & Administrative (35%)

  • Manage the systems change from paper to electronic loan origination, including managing the relationship with developer(s)
  • Manage and maintain the online application portal, working directly with the developers and troubleshooting as needed.
  • Make certain all client & homeowner files are stored and maintained appropriately (in hard copies and electronically) via HomeKeeper/Salesforce, guarantee client confidentiality and accuracy.
  • Oversee program reporting to meet measurement needs and organizational goals.

Homeowner Support (25%)

  • Ensure all real estate disclosures are shared with homebuyers and applicants in a timely and responsive manner
  • Monitor and support the data entry of Purchase Certification closing documents into Salesforce.
  • Coordinate the establishment of first-time homeowners’ accounts with AmeriNat.
  • Provide support for any note/loan sales and other homeowner-specific needs as they arise.


  • Proven experience as a mortgage underwriter
  • Strong working knowledge of relevant local, state, and federal laws and regulations
  • Experience or a strong interest in affordable homeownership and/or rental services
  • Background in community engagement, working with diverse audiences
  • Familiarity with Salesforce and loan origination software
  • Excellent communication and interpersonal skills
  • Excellent organizational and prioritization skills; able to manage an unpredictable workflow and possess the flexibility to respond thoughtfully and quickly
  • Keen attention to detail
  • Exceptional analytical and technical skills as they relate to documentation and calculations
  • Proficiency with MS Suite
  • Bilingual Cantonese/English or Spanish/English highly desirable
  • Must be able to pass background check (In accordance with state and county law: convictions do not necessarily rule out employment, it depends on the nature and severity of the conviction and is evaluated on a case by case basis, check is conducted on last 7 years only.)

Work Environment

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, and filing cabinets.

Physical Demands

This is a largely sedentary role; however, some filing is required. This would require the ability to lift files, open filing cabinets, and stand or bend as necessary. Must be able to travel within tri-county area during open application cycles.


Compensation for this role is competitive, DOE. This full-time position offers medical, dental and vision insurance, life insurance, long-term disability, employee assistance program (EAP), Flex Savings Account (FSA), 403b retirement account, commuter benefits, 20 paid vacation days, 3 front loaded sick days (accrue up to 72 days per year), and 13 paid holidays.

EEO: Habitat Greater San Francisco is an equal opportunity employer. Habitat Greater San Francisco strives to reflect the diverse community it serves. Applicants who contribute to this diversity are strongly encouraged to apply. Reasonable accommodation is available for qualified individuals with disabilities, upon request.

Habitat GSF receives federal funds through Self-Help Homeownership Opportunity Program (SHOP) and is required by federal law, to the greatest extent possible, to provide job training and employment opportunities to Section 3 residents. *Section 3 residents are defined as public housing residents or low-income persons who live in metropolitan area or non-metropolitan counties where HUD-assisted projects are located.

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