Chicanos Por La Causa, Inc.

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Housing Counselor

at Chicanos Por La Causa, Inc.

Posted: 9/15/2020
Job Status: Full Time
Job Reference #: 1986
Keywords:

Job Description

      
 

Location: Nevada


PRIMARY FUNCTIONS

The Housing Counselor is responsible for providing comprehensive housing counseling services focusing on the areas of pre-purchase, foreclosure prevention and homeowner services. The Housing Counselor is required to have a strong technical background with emphasis on mortgage lending (both originating and servicing), credit repair counseling and real estate and foreclosure law. Other strategic abilities include active listening, analytical and organizational skills and steady boundaries. It is critical that the Housing Counselor be an artful negotiator. Flexibility and an optimistic, while realistic, attitude, is necessary to best manage a clients' expectations. 

SPECIALIZATIONS

Knowledge/Experience

  • Good working knowledge of mortgage loan documents.
  • Good working knowledge of the loss mitigation process. 
  • Knowledge of the housing market and potential obstacles for homeownership.
  • Knowledge of lending products and various homebuyer assistance programs.
  • Ability to analyze financial information. 
  • Ability to calculate loan rates/terms. 
  • Demonstrated ability to work with others in establishing goals and objectives.
  • Ability to effectively communicate and work with individuals from diverse 

backgrounds and experience. 

  • Demonstrated skill in organizing time and prioritizing work load
  • 2 years of experience and clearly demonstrated skills in credit repair and mortgage lending procedures including loan servicing, mortgage underwriting concepts and loss mitigation options OR 

An equivalent combination of training and experience. 

Language Skills: 

  • Ability to interpret, evaluate and communicate detailed written or verbal instructions/information to others accurately and quickly, including answering phones, attending meetings, written correspondence, routine reports or other forms of communication. 
  • Ability to communicate effectively (expressing or exchanging ideas by means of spoken or written word. 
  • Ability to read and interpret specific documents such as loan documents, disclosures and loan program information. 
  • Ability to speak effectively before groups. 

Customer Service Skills: 

  • Comfortable working with diverse communities and clients in a tactful and empathetic manner. 
  • Ability to work with the complex demands of customers and to resolve customer problems and concerns. 

Mathematical Skills: 

  • Ability to add, subtract, multiply, and divide in all units of measure, using whole numbers, common fractions, and decimals. 
  • Ability to compute rate, ratio, and percent. 
  • Understand mathematical concepts identified above. 

Reasoning Ability: 

  • Ability to identify problems, collect data, establish facts, and draw valid conclusions. 
  • Ability to interpret a variety of instructions and deal with several abstract and concrete variables. 
  • Ability to take decisive action. 
  • Ability to use solid organization and time management skills. 

MINIMUM QUALIFICATIONS

Education

  • 2 years of experience and clearly demonstrated skills in credit repair and mortgage lending procedures including loan servicing, mortgage underwriting concepts and loss mitigation options OR 
  • An equivalent combination of training and experience. 
  • Fluency and literacy in Spanish and English is required 

Equipment and Software:

Computer with Internet and E-mail capabilities; Projection Equipment, Telephone, Facsimile and Photocopier. Knowledge of Microsoft Office including: Word, Excel, PowerPoint, Outlook and Publisher. 

Certificates, Licenses and Registrations: 

National certification from Neighborhood Works ® or NCLR® is required within one year of hire. A valid drivers license and proof of auto insurance is required

JOB RESPONSIBILITIES AND COMPETENCIES  

Foreclosure Prevention: 

  • Analyze customers overall financial condition or position including mortgage delinquency status, cash flow, budget, assets, debt and credit to identify viable foreclosure prevention options 
  • Determine customers' desire and ability to retain their home. 
  • Create and implement action plan and timeframe to overcome financial hardship and accomplish goal of retaining home. 
  • Assist homeowner in negotiating with his/her servicer to identify pre-foreclosure options (i.e. repayment strategy, loan modification, short-sale, or other effective remedies to avoid foreclosure). 
  • Work cooperatively with all clients. Help them to learn and understand the mortgage foreclosure process; help them explore possible home retention options; develop sustainable and/or contingency plans including options to find transitional housing if mortgage foreclosure is certain; provide appropriate referrals to other assistance programs. 

Pre- Purchase/Homeowner Services: 

  • Analyze customers overall financial situation including cash flow, budget, assets, debt and credit to determine mortgage readiness 
  • Determine customers' desire to purchase or refinance their home 
  • Create and implement an action plan and timeframe to overcome financial hardship and accomplish the goal of purchasing a home or refinancing their current mortgage. 
  • Act as intermediary between customer and all housing industry professionals (lender, realtor, title company, inspection company) and identify and advocate on behalf of customer for best product and services. 
  • Provide expert advice and help customers understand the home purchase process by identifying key players, explaining roles and responsibilities of key players, reviewing mortgage documents, purchase contract and closing documents. 

General Duties Responsibilities: 

  • Document customer interaction. Use professional standards as they apply to privacy and confidentiality while documenting customer information. 
  • Document the scope of the problem and maintain statistics on outcomes of assistance provided 
  • Create customer hard copy file and promptly input new client data into CounselorMax, an electronic database containing client counseling information. 
  • Add counseling information after each additional counseling session or client event. 
  • Provide prompt response to client requests. Perform regular follow up with clients and servicers. Periodically review files with Tucson Housing Coordinator. 
  • Build relationships with lenders, realtors and other professionals in the housing field to develop referral sources. 
  • Assist with other outside counseling and teach or assist with homebuyer/homeowner 

education workshops and crisis budgeting classes as needed. 

  • Attain and maintain required counseling certifications. 
  • Maintain up-to-date information on lending and homeowner assistance products. 
  • Participate in outreach activities aimed at marketing programs and services 
  • Other duties as assigned. 

JOB DEMANDS

  • Ability to travel statewide as needed.  
  • Ability to communicate clearly and effectively both verbally and in writing. 
  • Able to present operational information to personnel at all levels. 
  • Able to identify and recruit potential funding sources.

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. 

While performing the duties of this job, the employee is regularly required to sit, stand, walk, talk and hear. The employee frequently is required to use hands and fingers to handle, or feel and reach with hands and arms. The employee must occasionally lift and/or move up to 25 pounds. The employee is regularly required to drive. 

CONTINUOUS EDUCATION

Employee will be expected to participate in continuous learning, competency building and maintenance of competency skills. 

TYPICAL WORKING CONDITIONS

Work is performed in structured environments.  

This is not necessarily an exhaustive list of all responsibilities, skills, duties, requirements, efforts or working conditions associated with this job. While this is intended to be an accurate reflection of the current job, management reserves the right to revise the job or to require that other or different tasks be performed when circumstances change

ACCOUNTABILITY

I have read this job description, understand it and am able to perform the essential duties and responsibilities and meet the job qualification requirements of the position. In addition, I have had the opportunity to discuss the job description with my supervisor. 

Reports to and is supervised directly by the Director Housing. Employee is also accountable for understanding and complying with CPLC policies and procedures.

 
 

Application Instructions

Please click on the link below to apply for this position. A new window will open and direct you to apply at our corporate careers page. We look forward to hearing from you!