Loan Processor
Essential Functions:
* Evaluate loan applications paying attention to detail with an emphasis on accuracy, completeness, and in compliance with fair housing and affiliate policies
* Responsible for program outreach, leading information sessions, and working with community leaders to identify buyers from priority populations, promoting the benefits of homeownership to build a diverse pipeline of qualified applicants
* Collect, analyze and verify income, credit, financial statements, tax returns, rental payments, confirming the applicant’s ability to repay a mortgage and their Willingness to Partner with Habitat
* Identify and address discrepancies between reported income and verified data, executing a thorough review of applicant’s financial records
* Communicate with applicants regarding the result of applications, missing or conflicting documentation, guiding them through the Habitat loan process and addressing inquiries in a timely and professional manner
* Organize and maintain accurate records, tracking application data from distribution to result
* Ensure all loan files meet internal and external compliance standards, protecting confidentiality and securing private data
* Oversee the preclosing process, ensuring borrowers are fully versed on the terms of multiple mortgages and coordinate closings
* Provide excellent customer service to borrowers, answering inquiries, setting expectations, and offering support throughout the loan process
* Conduct site visits, application review sessions, and pre-closing appointments, communicating participation guidelines, program requirements, relaying the buyers’ needs with relevant staff members
* Assist in the planning and implementation of the affiliate’s marketing plan emphasizing DEI
* Provide support to the Homeowner Services Department, performing other duties as assigned
QUALIFICATIONS:
* Experience in loan processing, financial services, or case management (minimum 2 years professional experience in relevant field or college degree)
* Exceptional attention to details, including ability analyze data and identify inconsistencies
* Advanced process management skills, high-level time-management and the ability to work independently
* Ability to track and evaluate large datasets to determine eligibility based on a wide range of factors
* Knowledge of loan processing and fair housing regulations (certified Loan Processor preferred)
* Excellent written and verbal communication skills
* High level computer literacy
* A commitment to racial and economic equity and proven experience working with diverse population
* Experience in affordable housing, community development, mortgage lending, case management, and financial literacy preferred
* Personal qualities of integrity, credibility, a commitment to and a passion for the mission of AAHH
WORK ENVIRONMENT AND PHYSICAL DEMANDS:
This job operates primarily in a professional office environment and routinely requires operating standard office equipment such as computers, phones, photocopiers, and filing cabinets.
https://ashevilleareahabitatforhumanity.applytojob.com/apply/59nqfpdz9m/Loan-Processor?source=HFHI
Pay Range: $27-$29/hr.
#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.
