Application Processor & Homebuyer Guide

Description

• Manage phone calls and other correspondence from prospective programs applicants.
• Alert department leadership immediately of any adverse changes to the financial standing of partner families that could change or delay closing targets.
• Assess income and credit worthiness of applicants to determine if the program’s financial requirements are met.
• Build and maintain relationships with other service providers and make appropriate referrals, as needed, for those applicants who do not qualify for the Habitat Housing Programs.
• Update the Homebuyer Experience Manager on financially qualified applicant numbers with a thorough review of quality and completeness of data and file documentation.
• Serve as an active participant in project coordination meetings around current and upcoming projects representing the HOS/AMS team.
• Provide tailored guidance to applicants, ensuring clarity and support throughout their specific lending pathway, whether expedited, renovated shortened, or traditional new construction.
• Provide outreach support to Program Managers including attending community outreach events.
• Schedule, monitor, communicate and analyze progress regarding New Homeownership program requirements to ensure that homeowners complete their partnership requirements on schedule.
• Conduct, at minimum, monthly one-on-one meetings with each family to ensure their programmatic commitments are met (including, but not limited to closing cost contribution savings, sweat equity requirements, financial stability, homebuyer education/ HUD counseling, etc.)
• Participation in coordination and delivery of relevant homebuyer education sessions, as needed.
• Uphold Habitat Metro Denver’s commitment to Affirmatively Furthering Fair Housing, the Fair Housing Act, Equal Credit Opportunity Act and Habitat Metro Denver’s Inclusivity goals.
• Provide administrative support and ensure that information on program applicants and future homeowners is updated in the appropriate database and applications are processed in a timely manner.
• Ensure timely collection of financial documentation from partner families and regularly review documentation throughout partner family’s tenure in the program to monitor for consistency in finances throughout the program.
• Educate community members on homeownership requirements and the application process, ensuring prospective applicants can easily navigate through the programs. Ensure excellent customer service.
• Assist with project planning and launch by collaborating with other key staff to develop materials and promote the project’s success with buyers.
• Effectively manage deadlines associated with the selection, partnership and closing processes.
• Assist partner families with tackling challenges that come up during their program.
• Conduct partnership orientations in coordination with Housing Programs staff, ensuring proper reinforcement of the information provided with partner families.
• Manage relationships with external vendors to ensure on-time deliverables.
• Assist with special projects and other associated duties as required to help fulfill our mission in alignment with our Cultural Blueprint values.
• Collaborate with Government Grants department to ensure accuracy and completeness of all HUD income certifications and related reporting.
• Additional support in the preparation and execution of Housing Programs Information Sessions and Partnership Orientation Sessions.
• Provide excellent customer service, serving as the primary liaison in support of a cohort of partner families along with other Homeowner Services staff, ensuring a smooth transition from selection, into active programming through closing.
• Ensure complete documentation concerning applicant records in Encompass loan origination software, CRM database, and SharePoint.
• Maintain communication with applicants throughout the application period, responding to questions regarding applicant’s financial qualifications, program qualifications, and denial decisions.
• Create and utilize program action plans and budgeting tools to assist families in staying qualified throughout the homeownership program.
• Facilitate Final Selection Interviews with Homeownership Program applicants and support the Homeowner Selection team with the final selection of qualified applicants.

Requirements

• Ability to talk on the phone and work at a computer for extended periods of time.
• Experience with Encompass, or similar software, a plus.
• Experience working with people from diverse racial, ethnic, and socioeconomic backgrounds is preferred.
• Strong preference for 1-2 years of experience in the mortgage industry, preparing and managing mortgage loan files, ensuring file quality and completeness.
• Recent experience with lending, compliance, and processing.
• Ability to maintain confidentiality.
• Excellent verbal and written communication skills as well as, good analytical and math skills.
• Able to communicate clearly and professionally with diverse audiences of homeowners, volunteers, real estate professionals, and co-workers.
• Fluency in spoken and written Spanish is highly preferred, Arabic or French a plus.
• Valid driver’s license and ability to be insured under the company’s insurance policy is prerequisite; driving is required. A Motor Vehicle Report (MVR) will be run for insurance purposes.
• Ability to seek solutions independently and work well in a collaborative team environment.
• Knowledge of and adherence to Federal Fair Housing and Lending and Right to Financial Privacy Acts.
• Ability to maintain a pipeline of at least ten files per month.
• Minimum 1 years of experience (work, volunteer, and/or education) to demonstrate an understanding of finance, business, accounting, and/or real estate.
• Experience working with low- and moderate-income homebuyers in a mortgage lending, banking, nonprofit, community-based lending, or CDFI (Community Development Financial Institution) setting.
• Proficient in Microsoft Office Suite and CRM Databases.
• Hybrid work model - minimum 2 days/week at a Habitat location (Tuesday, Wednesday, and/or Thursday), with ability to work from home the other days) During the first 6-9 months of employment additional days in the office will be required to learn the role, build critical interdepartmental connections, and strengthen the team’s vision, strategy, and cohesiveness.
• Proficient with Microsoft Office Suite, virtual meeting platforms, space reservation platforms and CRM databases.
• Basic understanding of clerical procedures and systems such as recordkeeping and filing.
• Ability to coordinate and manage multiple timelines and deadlines at once.
• The ability to travel to and from meetings and appointments in locations and times when public transportation is unavailable.
• Excellent organizational skills and attention to detail.
• Most work is performed indoors at a desk in a shared office or meeting setting, with the ability to work remotely at times.

Benefits

Training + Development

Interview process

Visa Sponsorship

Security clearance