Certified Housing Counselor

HUD Certified Housing Counselor

SUMMARY OF POSITION:

Provide counseling and guidance to homeowners at risk of losing their homes. The Housing Counselor will provide one on one face-to-face, virtual or telephone counseling, review and develop crisis budget, analyze credit report and act as a liaison between the client and the lender/servicer.

MINIMUM EDUCATION AND EXPERIENCE:

Must have a bachelor’s degree and a minimum of three years of related work experience in as a housing specialist, underwriting, lending, collections or real estate desired. Spanish speaking is a plus. Certification in foreclosure prevention counseling must be obtained within the first year of providing foreclosure prevention services (training provided by agency). Candidate must have a HUD Housing Counselor Certification.

ORGANIZATIONAL RELATIONSHIP:

This position reports to the Director of Housing.

SPECIFIC DUTIES:

Understand loan servicing and loss mitigation operations and options while staying informed about industry changes.
Understand mortgage underwriting concepts and be able to analyze the financial situations of clients and appropriate loss mitigation solutions.
Know state foreclosure law and process and its timeline and implications.
Know the social and support services available to borrowers in financial distress.
Understand the bankruptcy laws and their impact on foreclosures.
Understand consumer protections and their applicability to clients’ situations.
Conduct foreclosure prevention workshops and presentations.
Participate in marketing and outreach initiatives.
Must meet program goals and outcomes for compliance.
Prepares monthly, quarterly and annual reports.
Attend and participate in the planning of Urban League fundraising events and activities.
Performs related tasks as required.
REQUIRED KNOWLEDGE, SKILLS AND ABILITIES:

Must have an excellent work ethic and ability to work in a professional work environment.
Must have excellent communication skills with ability to communicate effectively orally and in writing to both internal and external program stakeholders.
Must have the ability to listen and communicate with a combination of compassion and objectivity.
Must be a people person and engage with the public comfortably with the ability to establish and maintain a relationship of trust with borrowers from diverse cultures and backgrounds.
Must have ability to establish credible positive relationships with lenders, servicers, mortgage insurance companies, real estate professionals, attorneys and social service agencies.
Ability to prepare clear, concise and comprehensive reports, correspondence and other documents appropriate to the audience.
Must be able to adhere to company policies
Must be able to manage time well and strong ability to multi-task various top priority initiatives simultaneously.
Must have an entrepreneurial mindset and ability to work as a team.
Computer proficiency and ability to use software to include Word, PowerPoint and Excel. Familiarity with database and spreadsheet software (Excel, Access)
Valid Virginia driver’s license and vehicle required.
Must have the ability to work a flexible schedule to include evenings and weekends.
Ability to travel to attend certification training.
Must be kind, professional, team oriented, excellent work ethic.
Must have minimum COVID19 vaccines.