Application Processor & Homebuyer Guide

Habitat for Humanity • Denver, CO

2d • $24 - $31 • Hybrid

About The Position

The Application Processor & Homebuyer Guide supports the smooth operation of Habitat’s application process for homeownership programs. The Application Processor & Homebuyer Guide is a person who can work with a diverse group of community members, applicants, and volunteers to create a clear understanding of Habitat’s program requirements and processes, while guiding program participants through their partnership experience. This team member creates meaningful relationships with the individuals and families Habitat serves, adding to Habitat’s impact in the Denver Metro area. The following reflects the organization’s definition of essential functions for the position but does not restrict the tasks that may be assigned. Reasonable accommodations may be made to enable individuals with disabilities to perform essential position’s functions.

Requirements

• A strong belief in Habitat’s mission and a desire to engage others in the organization’s work.
• 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.
• Excellent organizational skills and attention to detail.
• Proficient in Microsoft Office Suite and CRM Databases.
• Ability to coordinate and manage multiple timelines and deadlines at once.
• Ability to maintain a pipeline of at least ten files per month.
• Basic understanding of clerical procedures and systems such as recordkeeping and filing.
• Knowledge of and adherence to Federal Fair Housing and Lending and Right to Financial Privacy Acts.
• Ability to seek solutions independently and work well in a collaborative team environment.
• Experience working with people from diverse racial, ethnic, and socioeconomic backgrounds is preferred.
• Proficient with Microsoft Office Suite, virtual meeting platforms, space reservation platforms and CRM databases.
• Ability to maintain confidentiality.
• Minimum 1 years of experience (work, volunteer, and/or education) to demonstrate an understanding of finance, business, accounting, and/or real estate.
• 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.
• 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.

Nice To Haves

• Experience working with people from diverse racial, ethnic, and socioeconomic backgrounds is preferred.
• Fluency in spoken and written Spanish is highly preferred, Arabic or French a plus.
• Experience with Encompass, or similar software, a plus.
• A bachelor’s degree in a related field could be beneficial in this role.
• Experience working with low- and moderate-income homebuyers in a mortgage lending, banking, nonprofit, community-based lending, or CDFI (Community Development Financial Institution) setting.

Responsibilities

• 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.
• Educate community members on homeownership requirements and the application process, ensuring prospective applicants can easily navigate through the programs. Ensure excellent customer service.
• Update the Homebuyer Experience Manager on financially qualified applicant numbers with a thorough review of quality and completeness of data and file documentation.
• Ensure complete documentation concerning applicant records in Encompass loan origination software, CRM database, and SharePoint.
• Provide tailored guidance to applicants, ensuring clarity and support throughout their specific lending pathway, whether expedited, renovated shortened, or traditional new construction.
• Facilitate Final Selection Interviews with Homeownership Program applicants and support the Homeowner Selection team with the final selection of qualified applicants.
• Maintain communication with applicants throughout the application period, responding to questions regarding applicant’s financial qualifications, program qualifications, and denial decisions.
• Assess income and credit worthiness of applicants to determine if the program’s financial requirements are met.
• Collaborate with Government Grants department to ensure accuracy and completeness of all HUD income certifications and related reporting.
• Provide outreach support to Program Managers including attending community outreach events.
• 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.
• Manage phone calls and other correspondence from prospective programs applicants.
• 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.
• Manage relationships with external vendors to ensure on-time deliverables.
• Additional support in the preparation and execution of Housing Programs Information Sessions and Partnership Orientation Sessions.
• Assist with special projects and other associated duties as required to help fulfill our mission in alignment with our Cultural Blueprint values.
• 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.
• Serve as an active participant in project coordination meetings around current and upcoming projects representing the HOS/AMS team.
• Assist with project planning and launch by collaborating with other key staff to develop materials and promote the project’s success with buyers.
• Conduct partnership orientations in coordination with Housing Programs staff, ensuring proper reinforcement of the information provided with partner families.
• Schedule, monitor, communicate and analyze progress regarding New Homeownership program requirements to ensure that homeowners complete their partnership requirements on schedule.
• 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.
• 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.)
• Create and utilize program action plans and budgeting tools to assist families in staying qualified throughout the homeownership program.
• Assist partner families with tackling challenges that come up during their program.
• Alert department leadership immediately of any adverse changes to the financial standing of partner families that could change or delay closing targets.
• Participation in coordination and delivery of relevant homebuyer education sessions, as needed.
• Effectively manage deadlines associated with the selection, partnership and closing processes.

Benefits

• Benefits available include medical, dental and vision insurance options; 401k with employer match; Paid time off for vacation, holidays, floating holidays; short and long-term disability; Healthy Families and Workplaces Act (HFWA) Leave; Paid Parental Leave (PFML); and paid time to volunteer.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level
• Number of Employees: 501-1,000 employees