Work with homebuyer to meet sweat equity obligations:
- Construction – 100 hours
- Community Service – 50 hours
- Financial literacy – 50 hours
Coach potential homeowner/partner families to prepare their credit/debit ratios and clean up their credit using:
- Credit Coalition
- Thrive
- Bank financial classes, etc.
- Will preparation classes
- Attend and participate in orientations and fairs as needed
Areas of Responsibility:
- Assemble, prepare and verify all documents during the Homebuyer’s process to meet the goal of homeownership
- Finalize the mortgage loan origination documents that are needed to purchase an HHFH home through the closing of the home buying process
- Prepare truth in lending disclosure, good faith estimate, and other required disclosures and deliver them to applicants within compliance designated timeframe
- Preparation of required Mortgage loan closing documents, including but not l imited to Deed of Trust, Settlement statement, Truth in Lending disclosures; prepares appropriate disclosures and any other documents necessary for closing
- Perform quality review of the file to ensure accuracy and generate error free loan documents
- Submit all error free required docs to Lending Partner
- Ensure all documents are properly recorded and delivered pre and post closing
- Adhere and comply with HFHI Mortgage Origination Checklist to guarantee compliance with legal requirements of each mortgage loan
- Coordinate all the steps of the loan closing, arriving at detailed and accurate financial numbers for homebuyer and readying documents
- Ensure action letters are sent out to homeowners within 48 hours of committee decision and/or by default
- Provide weekly spreadsheet updates of all stages of homeowners to Executive Director or Homeowner Services Director on status of homebuyers in the program’s pipeline
TYPES OF DECISIONS:
- Decision making includes reacting to errors discovered to resolve the immediate issue and also to ensure a similar error is not made
- Take quick action, sometimes in spite of limited information
- Determine the required documents needed for each loan are submitted to insure protection of HHFH and the applicant’s interests
- Maintain a high working knowledge of loan policy and regulations
CONTACT WITH OTHERS:
- Unlimited contact with applicants in person and on the phone. Must display quality of service showing courtesy, tact, and discretion at all times
- Maintain a positive demeanor and display excellence in service, keeping HHFH’s image in mind at all times
Educational Background:
ABA Mortgage Loan Certification Required
Skills/Experience:
- Must be Bilingual (English/Spanish)
- Experience as a Certified Housing Counselor and/or Financial Counselor/Coach
- Meet Mortgage Loan Origination qualifications as stated by HUD and the State of Texas
- Must be accurate, detail-oriented and organized
- Must possess excellent communication skills (written and verbal) for both internal and external communications
- Must possess patience and a high level of customer service experience (in person and by phone)
- Have strong computer skills and proficiency with Calyx software or equivalent loan industry software, in addition to exemplary word processing and spreadsheet competencies
- In addition to having current knowledge of loan closing and documentation procedures, closers must have solid math and calculation skills
- Experience entering data into client management systems (ie: CounselorMax/Home Counselor Online)
- Culturally competent, including ability to effectively communicate and work with individuals from diverse backgrounds and experience
- Good interpersonal skills, positive attitude, tactful, diplomatic and self- motivating
- Good time/ budget management and organizational skills
- Adaptable to flexible and extended hours, including some weekends and evenings
- Adherence to all HHFH policies and procedures
- Ability to work as part of a team or independently
- Consistent and punctual attendance
- A sense of community service and helping others
Physical Requirements
- Ability to tolerate indoor environment and outdoor weather conditions (heat, humidity, rain and cold)
- Ability to sit at a desk for long periods and use a computer for long periods of time on a daily basis
- Ability to perform essential functions of the job. Reasonable accommodation is available
- Must be able to sit, stand, bend, squat and reach for extended periods of time
Job Function:
Organization Info
Listing Stats
Post Date:
Mar 26 2018
Active Until:
Apr 27 2018
Hiring Organization:
Habitat for Humanity International
industry:
Nonprofit