Mortgage Loan Processor

2 weeks ago

Punta Gorda, United States Charlotte County Habitat for Humanity Full time
TITLE: Mortgage Loan Processor / Director of Family Services

Reports To: The Director of Family Services reports to the Senior Director of Finance & H/R.

Job Overview: The Director of Family Services builds and maintains the pipeline of potential homeowners by leading efforts to recruit and educate qualified families for homeownership opportunities. The Director also serves as the point of contact for families as they proceed through the application process. Together with the family selection committee, the Director helps select families that are paired with each new home construction and follows the entire throughout the process with direct client contact. Overall goal is to show successful increases in the number of individuals and families recruited and receiving Habitat services.

Responsibilities and Duties:
  • Ownership and accountability for the Family Services work area: meeting deadlines, following proper protocols and ensuring all department work is top notch, professional and worthy of the Habitat name.
  • Manages the role of the Family Support Coordinator, including managing and prioritizing workload, reviewing work for accuracy and completeness, monitoring and counseling on performance and acting as a mentor, facilitating support and professional growth.
  • Complete and maintain Habitat For Humanity International - FL state qualified QLO training and certification.
  • Recruit potential home buyers through home ownership information meetings, community outreach and pre-qualification screening forms.
  • Meet with applicants to review financial documents, credit reports and background checks.
  • Verify application is accurate and complete prior to homeowner selection committee presentation.
  • Provide denied applicants steps to increase their future chance of being accepted into the home ownership program or an alternate path to affordable housing.
  • Visit with applicants at their current home to verify their need for affordable housing.
  • Attend homeowner selection process to oversee compliance with Fair Housing, Equal Credit Act, and other relevant laws.
  • Keep track of documentation and notify candidates of their status within required communication guidelines.
  • Assist family support with the process of providing credit counseling and home ownership education classes.
  • Work with the county SHIP program to gather and communicate future homeowner's circumstances for program application.
  • Assist with walk through of finished homes with future homeowners informing them how everything works and noting issues that need to be addressed before closing.
  • Assist with closing process by advising when to secure homeowner's insurance
  • Attend homeowner closing and explain the next steps of homeownership as needed.
  • Maintain client files and correspondence, including documentation of conflicts related to construction and neighbors (how to be a good neighbor according to affiliate policy).
  • Assist and facilitate homeowner warranty and maintenance issues with construction department.
  • Support special event organizing, wall raising, and home dedications.
  • Work with Development Department on creation of home build/family stories.
  • Provide required monthly and quarterly reports regarding family selection.
  • Recruit, organize, inform, and retain volunteers for homeowner selection and support committees.
  • Maintain strict confidentiality in regard to protected information concerning internal processes and internal procedures when dealing with applicants.
  • Adhere to an ethical code of maintaining strict impartiality in all dealings with clients: ensuring a fair, equitable and consistent treatment of all clients, without semblance of undo priority or favoritism.
  • Strict following of all internal guidelines, procedures and rules throughout the homeownership process.
  • Assist other individuals and departments in the organization as operational needs warrant.
  • Additional duties as assigned.

Qualifications:
  • Education level: High School graduation or equivalent.
  • Experience: five years in a related environment.
  • Specific skills: Loan originating, homeowners' insurance and intermediate computer proficiency.
  • Personal characteristics: strong communication skills, empathetic, self-starter, team member, strong organizational skills and attention to detail.
  • Licenses: Valid Florida Driver License.
  • Physical abilities: Work in Florida indoor and outdoor environments.

  • Mortgage Loan Specialist

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