Homeownership Consultant

  • Full Time
  • Chicago
  • Hybrid/Flexible

Website https://twitter.com/NHSChicago Neighborhood Housing Services of Chicago

To create opportunities for people to live in affordable homes,

BASIC JOB FUNCTION:

  • Provide comprehensive housing counseling and education services that support the creation and retention of homeownership opportunities consistent with the NHS mission. The Homeownership Consultant will provide group training and one-on-one counseling to NHS clients in connection with home purchase, foreclosure prevention and financial capability as assigned.

PRINCIPLE JOB DUTIES & RESPONSIBILITIES:

  • Homebuyer Education and Pre-Purchase Counseling. Serve as an instructor for the NHS eight-hour homebuyer education curriculum, offered evenings and weekends, covering: (1) homeownership readiness and affordability, (2) money and credit management, (3) types of properties and financing available, (4) applying for a mortgage loan, (5) the closing process, and (6) post purchase money management and home maintenance.
  • Conduct other group workshops and presentations on home purchase, credit building and financial capability as assigned.
  • Provide one-on-one pre-purchase housing counseling to support clients in meeting their housing goals including: (1) analysis of financial situation, (2) affordability assessment based on income and debt, (3) credit report review and identification of challenges, (4) assessment of capacity to qualify for a mortgage (5) development of an action plan to overcome barriers to achieving homeownership.
  • Conduct clients follow up to facilitate the home buying process and document outcomes.

Foreclosure Prevention

  • Provide one-on-one counseling to clients at risk of foreclosure to preserve their homeownership including the following:
  • Assess client’s mortgage and payment status
  • Work with client to document and analyze their financial situation and develop loss mitigation options
  • Create a written action plan for foreclosure avoidance or client’s preference
  • Communicate with the servicer and submit a loss mitigation package to the servicer on behalf of the client when applicable
  • Provide client and servicer follow up and document outcome.
  • Provide client with referral information for additional community services.
  • Conduct foreclosure prevention workshops and participate in outreach events as required.
  • Document and report all counseling activities, outcomes and outreach in NHS counseling databases for internal tracking and external reporting to funders on a monthly, quarterly, and annual basis as required.
  • Document and store client files in a manner consistent with established protocols.
  • Maintain required job skills, core professional competencies and required certifications. Participate in required educational programs, trainings and staff meetings.
  • Participate in outreach activities to promote and provide NHS services in the community.
  • Performs other duties as assigned.

PERFORMANCEMEASURES:

  • Documented counseling hours in NHS database.
  • Documented counseling outcomes across assigned programs.
  • High level of customer satisfaction with NHS services provided.
  • Adherence to established policies and procedures for the delivery of counseling and education services.
  • Meeting established expectations of quality assurance reviews.

REQUIRED SKILLS

  • Knowledge of the components of financial/credit management, mortgage finance and the home buying process.
  • Ability to compare and contrast financial information; calculate mortgage affordability and other metrics.
  • Ability to communicate effectively both orally and written with customers, mortgage lenders, loan servicers and NHS partners.
  • Ability to actively listen to customers and build rapport; respond promptly to customer needs and request for service; meet commitments.
  • Ability to problem solve through information gathering and analysis, developing alternative solutions using reason and resources.
  • Time management and organizational skills to effectively manage customer pipeline.
  • Proficiency in Windows-based software; ability to learn and use client management systems, virtual conferencing tools and other software.
  • Flexible work schedule, including ability to work some nights and Saturdays.

POSITIONQUALIFICATIONS
Education

  • Associate degree required; Bachelor’s degree preferred.

Experience

  • Two to four years of experience in housing counseling, financial/credit counseling, mortgage lending/processing, or real estate sales preferred.
  • Demonstrated experience in managing a high-volume customer pipeline or case load preferred; along with experience in using a CRM, such as Salesforce, and call center software, such as Five9.

CERTIFICATIONS

  • NeighborWorks Certification: Within 9 months of hire, obtain through the NeighborWorks Center for Homeownership Education and Counseling (NCHEC) certifications in: (1) Pre-Purchase Homeownership Education, (2) Homeownership Counseling, (3) Financial Capability, (4) Foreclosure Intervention and Default Counseling and (5) Post-Purchase Homeownership Education.
  • HUD Certification: Within 6 months of hire, obtain the HUD Housing Counselor Certification, as an individual working with a participating agency, by passing a standardized written examination covering six major areas of housing counseling. These areas include: (1) financial management; (2) property maintenance; (3) responsibilities of homeownership and tenancy; (4) fair housing laws and requirements;(5) housing affordability; and (6) avoidance of, and responses to, rental and mortgage delinquency and avoidance of eviction and mortgage default. Within 12 months of hire, obtain the Reverse Mortgage/HECM Counselor Certification.

PHYSICALDEMANDS

  • 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 talk or hear; frequently required to stand; walk; sit; use hands to finger, handle, or feel; and reach with hands and arms. The employee may occasionally lift and/or move up to 25 pounds.

WORK ENVIRONMENT

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. The noise level in the work environment is usually moderate and is of a typical office environment.

Benefits

  • Health Insurance coverage – (Medical, Dental, Vision)
  • 403 (b) benefits
  • 12 paid holiday days off
  • PTO
  • Tuition Reimbursement
  • Hybrid/Flexible Schedule

NHS’ Commitment to Diversity

  • Neighborhood Housing Services of Chicago was created in 1975 to advocate for equitable mortgage lending practices, to provide competitive lending products, and stabilize the housing of the underserved residents of Chicago. That veteran spirit of economic empowerment and inclusion remains strong today in our organization. NHS continues to support racial and gender equity, diversity, and inclusion among the NHS team and its partners, in the mortgage delivery system, and in all of its community programs. We challenge ourselves to continue learning and evolving not only professionally, but also as a means to create a safe space for all NHS team members to realize their best selves such that they give that gift to each other and the communities we serve.
HUD Certification required

To apply for this job email your details to sbean@nhschicago.org


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