Loan Officer I

Pennsylvania Housing Finance Agency • Harrisburg, PA

5d • Hybrid

About The Position

The Loan Officer I plays a critical role in the administration of the HEMAP program. This position is primarily responsible for making eligibility determinations on HEMAP loan applications, recertifications, reevaluations, and subordination requests. The Loan Officer I also manages an assigned collection queue, responds to calls from the HEMAP queue, and provides support to administrative staff when necessary. This role requires strong analytical skills, sound judgment, and the ability to apply program guidelines consistently and accurately.

Requirements

• Bachelor’s degree preferred
• Minimum of two years of related experience, preferably in banking, lending, underwriting, or financial review.
• Strong analytical, investigative, and decision‑making skills.
• Excellent verbal and written communication abilities.
• Ability to work effectively with internal staff, external partners, and homeowners.
• Proficiency in Microsoft Office (Word, Excel, Outlook).
• Ability to work under pressure, meet deadlines, and maintain a positive, customer‑focused attitude.
• High attention to detail and accuracy.
• Ability to maintain regular, punctual attendance and meet productivity standards.
• Daily in‑office presence required for collaboration and operational needs.
• Ability to perform essential job functions in compliance with ADA, FMLA, and applicable federal, state, and local standards.

Responsibilities

• Evaluate HEMAP Applications Review and analyze HEMAP loan applications to determine eligibility. This includes assessing credit reports, mortgage histories, income documentation, tax returns, property searches, and individual financial circumstances. Order property and credit reports as needed.
• Apply Program Guidelines Interpret and apply HEMAP program policies and procedures consistently. Communicate program requirements to counseling agencies, lenders, attorneys, and homeowners.
• Process Ongoing Case Reviews Review recertifications, reevaluations, subordinations, and remanded files to determine eligibility, continuation, termination, or adjustments to contribution or repayment amounts.
• Manage a Collection Queue Maintain an active collection queue by contacting borrowers via phone, email, and written correspondence to establish payment arrangements and resolve delinquent accounts. Refer uncollectible accounts to the Manager of Loan Processing.
• Respond to HEMAP Queue Calls Answer incoming calls in the HEMAP queue, providing accurate information, guidance, and customer service to homeowners and partners.
• Administrative Support Assist administrative staff when needed, including opening checks, preparing or adding daily bank deposits, and supporting general office operations.
• Reporting Prepare and submit biweekly / monthly activity reports and other documentation as required.

What This Job Offers

• Job Type: Full-time
• Career Level: Entry Level