Reverse Mortgage Certified Counselor

Website Balance

BALANCE is hiring a FULLY REMOTE certified HECM (Home Equity Conversion Mortgage) housing counselor in Pacific or Central Time Zones.

Our HECM Certified Counselor provides accurate, relevant and helpful information to assist clients and potential clients in the benefits and requirements for a reverse mortgage/HECM loan.

To perform this job successfully, an individual must be able to perform each of the essential duties listed below. This role is preferred bilingual and is to work remotely.


  • Assists clients in developing specific strategies towards achieving homeownership, lending process, affordability, down-payment assistance programs, fair housing and how to create and maintain overall financial and homeownership stability in the future.
  • Produces a written action plan that supports the counselor’s conclusion as to the course of action that promotes the client’s best interests or the client’s choice of action. Motivates the client to implement the established plan.
  • Prepares mailing of preliminary paperwork to clients in a timely manner.
  • Conduct pre-purchase first time homebuyer education workshops
  • Ensure compliance with the current housing regulations.
  • In addition to Reverse Mortgage/HECM counseling, a counselor should have experience in any of the following other housing counseling services:
    • Pre-purchase Counseling
    • Rental Counseling
    • Default Counseling, if applicable
    • Post-purchase, if applicable MONEY MANAGEMENT
  • Assists clients in developing specific strategies to resolve past and present financial concerns, establish and achieve financial goals, and create and maintain overall financial stability in the future.


  • Provides general information to clients about bankruptcy, collections, court judgments, credit issues, credit reports, housing issues, consumer protection laws, student loans, wage attachments, financial planning to clients.
  • Confers with clients to ascertain available monthly income after living expenses to meet credit obligations.
  • Explains credit report ratings and protections laws to clients and provides answers to client’s questions.


  • Promptly answers incoming calls from clients and determines nature of problem or question to establish course of action to address problem or question.
  • Provides information about national and community resources, and refers clients as appropriate.
  • Schedules appointments for clients, confirms daily appointments, and reschedules appointments as necessary and performs regular follow ups.
  • Performs elements of on-going casework as needed to provide service and problem-solving assistance for client inquiries and account management.

Other duties as may be assigned.

Knowledge, Skills and Abilities
The requirements listed below are representative of the knowledge, skills, and/or abilities required:

  • Familiarity with city, state and federal housing programs
  • Self-motivated with a strong commitment to assisting families and individuals towards self- sufficiency.
  • Analytical – Collects and researches data; Uses intuition and experience to complement data.
  • Problem Solving – Gathers and analyzes information skillfully; Uses reason even when dealing with emotional topics.
  • Technical Skills – Assesses own strengths and weaknesses; Pursues training and development opportunities; Strives to continuously build knowledge and skills; Shares expertise with others.
  • Customer Service – Manages difficult or emotional customer situations; Responds promptly to customer needs; Responds to requests for service and assistance; Meets commitments.
  • Interpersonal Skills – Demonstrates empathy, focuses on solving conflict, not blaming or shaming; maintains confidentiality; listens to others without interrupting; keeps emotions under control.
  • Oral Communication – Speaks clearly and persuasively in positive or negative situations; listens and gets clarification; responds well to questions.
  • Written Communication – Writes clearly and informatively; edits work for spelling and grammar; Varies writing style to meet needs; Able to read and interpret written information.
  • Teamwork – Balances team and individual responsibilities; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests.
  • Quality Management – Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
  • Ethics – Treats people with respect; Keeps commitments; Works ethically and with integrity; Upholds organizational values.
  • Organizational Support – Follows policies and procedures; Completes administrative tasks correctly and on time; supports organization’s goals and values; Values and respects diversity.
  • Language – Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures, or governmental regulations. Ability to write reports and business correspondence. Effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Judgment – Exhibits sound and accurate judgment; Makes timely decisions.
  • Motivation – Sets and achieves challenging goals; Measures self against standard of excellence.
  • Planning/Organizing – Prioritizes and plans work activities; Uses time efficiently.
  • Professionalism – Approaches others in a tactful manner; Reacts well under pressure; Treats others with respect and consideration regardless of their status or position; Accepts responsibility for own actions; Follows through on commitments.
  • Quality – Demonstrates accuracy and thoroughness; Applies feedback to improve performance; Monitors own work to ensure quality.
  • Quantity – Meets productivity standards; Completes work in timely manner.
  • Safety and Security – Observes safety and security procedures; Reports potentially unsafe conditions; Uses equipment and materials properly.
  • Adaptability – Adapts to changes in the work environment; Able to deal with frequent change, delays, or unexpected events.
  • Attendance/Punctuality – Is consistently at work and on time; Ensures work responsibilities are covered when absent; Arrives at meetings and appointments on time.
  • Dependability – Follows instructions, responds to management direction; Takes responsibility for own actions; Keeps commitments; Completes tasks on time or notifies appropriate person with an alternate plan.
  • Initiative – Volunteers readily; Undertakes self-development activities; Asks for and offers help when needed. Interested in ongoing learning opportunities.
  • Innovation – Meets challenges with resourcefulness.
  • Mathematical – Ability to apply concepts such as fractions, percentages, ratios, and proportions to practical situations.
  • Reasoning Ability – Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.
  • Computer – Knowledge of spreadsheet software, word processing software, and Internet research software. Proficiency in Microsoft Office Applications (Word, Excel, Access, Outlook, etc.)

Education and/or Experience
Bachelor’s degree (B. A.) from four-year college or university; or one to two years related experience and/or training (EAP, financial services, counseling, banking, credit and collection); or equivalent combination of education and experience.

**Must Possess Active HECM Certification**

Certificates, Licenses, Registrations

Must successfully pass and obtain the following certifications within six months of employment unless otherwise notes:

1. HUD Housing Counselor Certification (within 120 days)

2. NCHEC Housing related certification(s)



5. Money Coach Program

Other Skills

Bi-lingual capabilities required in any one of the following languages: Spanish, Mandarin, Tagalog, Cantonese, or Vietnamese

HUD Certification required

To apply for this job please visit

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