Mortgage & Homeowner Services Coordinator
REQUIREMENTS:
* Commitment to Habitat’s vision and mission.
* Ability to relate to people with diverse backgrounds and work effectively with program and community partners.
* Bachelor’s Degree.
* At least two years of experience in financial counseling or housing related case management.
* Experience with mortgage servicing or affordable housing programs.
* Excellent organizational and communication skills.
* Aptitude for analysis of financial data and problem-solving.
* Experience at work requiring a high level of accuracy and attention to detail.
* Ability to review and interpret financial documents (mortgages, loan forgiveness agreements, penalties, etc.).
* Experience in data management (Excel, Salesforce, CRM or case management software).
* Comfortable with public speaking and large group facilitation.
* Ability to self-manage and independently interpret and implement policies and regulations.
* Ability to obtain a Qualified Loan Originator certification within 3 months of employment.
Mortgage Portfolio Management
* Monitor for timely payment of all mortgages and home repair loans according to set policies.
* Review and analyze reports from mortgage partners (i.e Kentucky Housing Corporation).
* Prepare loan balance statements.
* Communicate with mortgage servicer to ensure appropriate application of mortgage payments.
* Assist homeowners with setting up available payment method options.
* Notify homeowners of delinquency status according to federal and state guidelines.
* Calculate past due amounts and/or arrearages.
* Maintain accurate homeowner records and documentation, including recording information in the affiliate’s database system (Salesforce – Home Keeper).
* Communicate with mortgage servicer, legal counsel and County Clerk regarding the establishment of new mortgages, enforcement of current mortgages, and follow up on foreclosures, bankruptcies, releases, outstanding legal issues, documentation requests, etc.
Financial Case Management
* Counsel homeowners on issues related to homeownership (insurance, property taxes, etc.).
* Conduct delinquency counseling and collaborate with homeowners for payment plan development, sometimes with HUD approved counselors.
* Provide resource referrals to homeowners and home repair clients as necessary.
* Communicate with homeowners about responsibilities upon end of their loan.
* Conduct homeowner exit interviews at time of mortgage pay-off.
Program Application & Selection
* Serve as the first point of contact for the Homeownership and Home Repair Programs.
* Respond to general inquiries via phone, email, and office visit.
* Manage Homeownership Program application intake and selection process through the evaluation of applicants’ ability to pay an affordable mortgage, willingness to partner with LHFH, and need for affordable housing.
Facilitate application appointments
* Evaluate income, credit history, debt-to-income ratio, and other application data to determine eligibility for Homeownership programs.
* Manage and organize the collection of application supporting documents (income and tax information, bank statements, other documents as required).
* Coordinate applicant home visits with Family Selection Committee of staff.
Coordinate Home Repair Program application intake and eligibility.
* Facilitate application appointments.
* Evaluate income, credit history, debt-to-income ratio, and other application data to determine eligibility for Home Repair program.
* Ensure program eligibility determinations are applied consistently and in compliance with fair housing and lending regulations and internal policies.
* Communicate with program applicants regarding their application status clearly and according to all local, state, and federal lending regulations
* Participate in community outreach events (program open houses, tabling opportunities, etc.).
Additional Duties
Additionally, the Mortgage & Homeowner Services Coordinator will:
* Ensure compliance with all federal and state lending laws.
* Collect and report homeowner data as related to grant requirements.
* Implement best practices and regulations through attending professional development classes, conferences, and workshops.
* Provide assistance with department events and functions (home dedications, homeownership classes, closings, etc.)
* Perform other duties as assigned.
Pre-employment Screenings
Prior to being hired, applicants are required to pass a criminal background and sex offender registry check, submit to a credit history report, and complete a pre-employment physical which includes a drug screening.
HOW TO APPLY: Please submit, an application, resume and cover letter (including salary expectations) through the Lex Habitat employment page - https://www.lexhabitat.org/employment
SALARY: $55,000 - $58,000 annually (exempt)
#LI-aff
About Habitat for Humanity
Habitat for Humanity, founded in 1976, is a global, Christian-based nonprofit organization that grew out of an intentionally multi-racial community in rural Georgia. Seeking to put God’s love into action, Habitat brings together people of all faiths and people of no faith to build homes, communities and hope. Working alongside each other, we help families and individuals build and improve places to call home and achieve the strength, stability and self-reliance they need to build better lives for themselves. Habitat seeks individuals who have a willingness to affirm these principles and values.
At Habitat for Humanity International, we are compelled by our Koinonia roots to put God’s love for all into action and pursue housing equity and opportunity by bringing all people together to build community and drive impact. We strive to build a culture rooted in learning, accountability and trust, attracting and retaining mission-driven talent reflective of the global communities we serve.
As an equal opportunity employer, we realize our success depends on courageously committing to being a workplace where all staff feel safe, welcome, visible, respected, supported and valued, and building a workforce that reflects a variety of lived experiences, backgrounds and perspectives, in which every person experiences dignity and respect.
We also require that all staff take seriously their ethical responsibilities to safeguarding our intended beneficiaries, their communities (especially children) and all those with whom we work. In line with the prevention of sexual exploitation and abuse, all staff must pass a thorough background screening and will be held accountable to upholding our policies around ethical behavior, including safeguarding and whistleblowing.