Loan Officer and Housing Counselor handles client counseling homebuyers and manages paperwork and client communication efficiently with the goal of improving the homeownership and repair assistance available in our communities. Position requires attention to detail, independent and team problem-solving, as well as excellent listening, writing, and organizational skills.
Salary Range: $45,000 to $53,000.
DUTIES & RESPONSIBILITIES
HUD Counseling and Loan Origination
- Meet with potential borrowers to explain the programs and the services that are provided by INHS and other agencies and their qualifying standards;
- Counsel customers about their financial situation and what they can do to meet their housing goals;
- Pre-qualify loan applicants based on program eligibility and underwriting standards;
- Explain related INHS services such as home buyer education, down payment assistance and home improvement services;
- Explain the features of INHS programs that include the Community Housing Trust, homeowner’s associations and subsidy programs to homebuyers;
- Maintain up-to-date knowledge about the availability of loan products, interest rates; fees and underwriting standards related to homeownership and home improvement loans.
- Originate Loans, ensure compliance with funder standards, coordinate with project managers, build electonic files
Data Entry, Compliance and Reporting
- Record information into INHS databases or online reporting systems
- Keep databases updated by entering new and current client information.
- Attend webinars and update written processes, double check that reports are accurate and meet funders requirements as they change.
- Maintain client confidence and protect operations by keeping information confidential.
- Set up Loans with INHS’ servicer M&T.
Data Entry, Compliance and Reporting
- Record information into INHS databases or online reporting systems and troubleshoot data entry;
- Keep databases updated by entering new and current client information;
- Attend webinars and update written processes, double check that reports are accurate and meet funders requirements as they change;
- Maintain client confidence and protect operations by keeping information confidential.
Delinquency and Collection
- Prepare monthly INHS loan delinquency report;
- Take actions with respect to delinquencies in accordance with Loan Policy;
- Prepare workouts with advice and approval of the Director of Homeownership, Executive Director and Loan Committee on delinquency actions.
Outreach and Program Administration
- Create, Organize and Give Presentations on INHS’ Programs
- Create Positive Working Relationships with community partners, lenders, Realtors.
- Staff Office Hours in off site as Funders require
Residential Lending Closing Support
- Assemble documents and files for loan underwriting and loan closing when primary staff are on vacation.
Education & Experience
Associate Degree or minimum of 3 years of experience in residential Homeownership, home repairs, real estate sales, or related administrative functions.
Good written and oral communication and interpersonal skills. Ability to work with people through difficult financial discussions. Ability to work independently and manage competing priorities. High attention to detail. Must pass a criminal background check.
Intermediate proficiency in Windows-based software including MS Word and MS Excel.
Personal qualities of integrity, credibility, and a commitment to the INHS mission to revitalize neighborhoods and to assist low to moderate income people in obtaining quality housing on a long-term basis.
TRAVEL
Travel is rare but possible. A valid driver’s license and access to transportation is not required but helpful.
TO APPLY
Email a cover letter and resume to hr@ithacanhs.org. In the cover letter, please specifically address relevant experience and reasons for your interest in this particular position. For more information about INHS, visit www.IthacaNHS.org.
INHS provides equal employment opportunities (EEO) to all employees and applicants for employment.
ABOUT INHS
INHS is the region's leading affordable housing organization. A nonprofit that was established in 1976 as a partnership between residents, funders, and local government. It's a community development corporation affiliated with NeighborWorks® America. INHS is dedicated to expanding the housing opportunities for low- and moderate-income residents of Tompkins, Cayuga, Chemung, Cortland, Schuyler, Seneca, and Tioga counties. It seeks to foster communities that embrace diversity, equity and sustainability in ways that produce lasting outcomes.
INHS provides equal employment opportunities (EEO) to all employees and applicants for employment.
