Application Processor & Homebuyer Guide
2 days ago
Denver
Job Description:\n\nWho You Are You are someone who people can rely on, and you are always there when they need a helping hand. You like variety in your work and seek unique challenges every day. You’re a “people person” and enjoy hearing their stories and assisting them through challenging processes. You are looking for a new position where you can make a difference in your life, the lives of others, and the world. In return, you seek an organization that appreciates your individuality and supports you as a member of a diverse and talented team. People often comment on how you are welcoming, honest, organized, and a real problem solver. You know in your heart it is time to find an opportunity to be part of something larger; more impactful. If this sounds like you, please allow us to introduce ourselves. Who We Are: Habitat for Humanity of Metro Denver (Habitat Metro Denver) is part of a global, nonprofit housing organization that seeks to bring people together to build homes, communities, and hope. Habitat for Humanity was founded on the conviction that everyone needs an affordable, healthy, and stable place to live in dignity and safety, and that affordable housing should be a matter of conscience and action for all. To achieve our vision of a world where everyone has a decent place to live, Habitat Metro Denver builds, renovates and sells homes in partnership with low- and moderate-income families. Habitat Metro Denver is also an advocate for policies that create and preserve affordable housing. We work in neighborhoods across five counties in Metro Denver to not only build, renovate and sell new homes, but also to do critical home repairs to help families stay in their homes longer. Since being founded in 1979, Habitat Metro Denver has served more than 2,500 households and is one of the top ten producers in the Habitat U.S. network nationwide. How We Succeed Together: Habitat Metro Denver’s Cultural Blueprint highlights the specific behaviors and mindsets that support our core values and guide day‐to‐day decisions, behaviors, and interactions of every person within our organization. Solid Foundations – Our mission is at the heart of everything we do. We are passionate about our work, our teams, and our relationships. Innovative Design – We are curious. We embrace change. We take risks and initiative to address a complex social issue – housing. We exemplify grit and determination in our relentless pursuit to ensure everyone has a safe and affordable place to call home. Open Doors – We welcome everyone. We aspire to be an inclusive organization that celebrates one humanity – where equity, diversity and inclusion are at the core of every facet of our work. Clear Windows – We approach everyone with kindness, clarity, and transparency. We champion authenticity, illuminate our strengths, and hold ourselves and others accountable. Supportive Structures – We have each other’s backs. We collaborate. Becoming better at what we do takes all of us. By building homes and life‐changing careers, we make a transformational difference in our lives and the lives of others. GENERAL DESCRIPTION: 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. CORE RESPONSIBILITIES: Application Processing · 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. Homebuyer Guide · 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. KNOWLEDGE & SKILLS: · 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. EXPERIENCE: · 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. · Experience working with low- and moderate-income homebuyers in a mortgage lending, banking, nonprofit, community-based lending, or CDFI (Community Development Financial Institution) setting. · 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. WORK ENVIRONMENT & CONDITIONS, PHYSICAL REQUIREMENTS NECESSARY TO PERFORM THIS JOB · Most work is performed indoors at a desk in a shared office or meeting setting, with the ability to work remotely at times. · Ability to talk on the phone and work at a computer for extended periods of time. · The ability to travel to and from meetings and appointments in locations and times when public transportation is unavailable. · 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. · Some work outside of traditional office hours (evenings) will be required to meet the needs of homeowners’ work schedules. · 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. · Habitat’s office where this position will report to is 430 S Navajo St, Denver, CO 80223. The Starting Pay Range for this position is $24.40 - $27.45/hour. New hires are typically brought into the organization between the minimum to midpoint of the starting pay range posted depending on qualifications, internal equity and the budgeted amount for the role. The full range for this position is $24.40 - $30.50/hr. 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. Please apply by copying and pasting the following link in your browser: Or visit our Careers Page: At Habitat for Humanity of Metro Denver, we value diversity and strive to ensure that our practices and policies are equitable and inclusive. We do not tolerate harassment or discrimination of any kind. We are committed to complying with all federal, state, and local laws providing equal employment opportunities, and all other employment laws and regulations. It is our intent to maintain a work environment that is free of harassment, discrimination, or retaliation because of age (40 and older), sex, sexual orientation including transgender status and gender identity or expression), pregnancy (including childbirth, lactation, and related medical conditions), marital status, race, national origin (including ancestry), disability, creed, religion, genetic information, HIV status, military or veteran status, or any other status protected by federal, state, or local laws. Habitat Metro Denver is dedicated to the fulfillment of this policy in all aspects of employment, including but not limited to recruiting, hiring, placement, transfer, training, promotion, rates of pay, and other compensation, dismissal, and all other terms, conditions, and privileges of employment.\n\nCompany Description:\n\nImagine a world where everyone has a decent place to live, and YOU have the opportunity to impact people every day through your work. Habitat for Humanity of Metro Denver has seen dramatic growth in the last five years. It’s an exciting time to join our team!Imagine a world where everyone has a decent place to live, and YOU have the opportunity to impact people every day through your work. Habitat for Humanity of Metro Denver has seen dramatic growth in the last five years. It’s an exciting time to join our team!