Salary: $28.67 – $34.92 hourly (A 4% cost of living adjustment will be applied effective 7/1/2023)
Type: Temporary up to one (1) year, limited benefits
Application deadline: July 20, 2023
This is a remote position, but incumbent(s) will be required to work in the office during the training period, and as required. Staff must work and reside in the U.S. within a 100-mile radius of the San Diego Housing Commission.
An assessment will be conducted on candidates selected to move forward in the recruitment process.
9/80 Compressed Work Schedule, Office closed every other Friday, 14 paid holidays, 457 tax-deferred savings plan, social security exempt, Tuition Reimbursement up to 5,000 annually, Sharp PPO or HMO Plan, Kaiser Permanente HMO Plan, Dental, Vision, and Flexible spending account and more.
To see full benefits package, please visit:
https://www.sdhc.org/sdhc-employee-benefits/
Class Characteristics:
Incumbents at this level provide specialized and technical support work in a variety of specialized areas of assignment and/or various programs. Successful performance of the work requires the use of tact, discretion, and independent judgment as well as knowledge of departmental activities. The work has technical and programmatic aspects, requiring the interpretation and application of policies, procedures, and regulations and involves frequent contact with staff and the public, as well as performing various research functions. Positions at this level receive only occasional instruction or assistance as new or unusual situations arise and are fully aware of the operating procedures and policies of the work unit.
Examples of Essential Job Functions:
- Serves as the first point of contact for interested program participants and professional partners, including real estate and lending professionals, seeking information and services from the Homeownership Equity Project, which has a goal of narrowing the racial homeownership gap and creating 5000 BIPOC (Black, Indigenous and People of Color) homebuyers through 2025.
- Staffs a central phone number providing consumers with program information and referrals to coalition partners.
- Answers basic program questions, screens potential participants for eligibility, performs basic intake, assesses where potential participants are along the homebuyer readiness spectrum in order to recommend services, and refers callers to the appropriate next step, service or source of information.
- Accurately reviews applicants’ income documentation (i.e., pay stubs, W2s, Award Letters, Tax Returns) and completes the income calculations worksheets.
- Analyzes credit reports, bank statements, and other applicant-related material. Conducts pre-screening intake interviews of potential homeownership clients; works with coalition partners to create pre-screening questionnaires and referral processes; evaluates clients; conducts intake briefings to explain programs, requirements, and answer client questions.
- Provides potential homebuyers with financial counseling and navigation/case management through the homebuyer preparedness process.
- Helps potential BIPOC homebuyers of all income levels prepare to be successful in their homebuyer journey, from evaluating lenders and gaining mortgage pre-approval to selecting realtors, submitting offers and closing on their first home.
- Conducts initial client eligibility interviews; collects and reviews completed applicant declarations and supporting documents; enters information into database.
- Provides financial coaching and counseling sessions that include: coaching one-on-one on credit reports, disputing credit issues, assist with identifying loan programs that can help reduce debt.
- Monitors action plans and meets periodically with clients to assess progress to aid clients in pursuing interim targets as planned.
- Undergoes financial counselor training and works toward industry certifications
- Sends out written requests for third party verifications of family income, assets, and employment; runs credit reports and criminal history checks; verifies immigration status; conducts additional verifications through the various third parties and other agencies as needed.
- Evaluates client files and verification data and applies policies and procedures to determine eligibility; refers clients appropriately to partner agencies for additional services.
- Enters and retrieves information and data using standard word processing and spreadsheet software, as well as accounting, financial, and other related electronic information systems specific to the department to which assigned.
- Conducts outreach on behalf of clients and coordinates the delivery of support services to clients through community resources; identifies community resources for monolingual clients with expertise in addressing their unique development needs in a culturally sensitive manner.
- Reviews loan applications of mortgage-ready first-time home buyers to determine their financial profile and eligibility under existing lending programs administered by the Commission; advises home buyers of available financial assistance and assists in loan/grant application preparation.
- Maintains complete and accurate document and computer files; prepares and submits periodic status reports.
- Enters and retrieves information and data using standard word processing and spreadsheet software, as well as accounting, financial, and other related electronic information systems specific to the department to which assigned.
- Receives inquiries via telephone, email, or mail; resolves any issues, problems, or requests using established procedures.
- Maintains relationships and interacts regularly with service delivery partners, other interested and involved organizations, community representatives, clients, and others to promptly identify and resolve problems that could undermine program effectiveness.
- Performs other duties as assigned.
Qualifications:
Knowledge of:
- Must have current working knowledge of mortgage loan products and/or knowledge of mortgage procedures, processes, and documentation.
- Prior experience as Mortgage Processor, Loan Partner, Financial Counselor, Loan Officer or Underwriter.
- Knowledge of underwriting terminology.
- Strong attention to details, high degree of accuracy and excellent organizational skills.
- Departmental practices and procedures and applicable Commission policies.
- Applicable Federal, State, and local laws, codes, regulations, and departmental policies, technical processes, and procedures.
- Principles and practices of data collection and report preparation.
- Proficient with standard software such as Windows, Word, Excel, and Outlook.
- Modern office practices, methods, and computer equipment and applications, including word processing, database, and spreadsheet applications.
- Principles of business letter writing and record-keeping.
- English usage, spelling, vocabulary, grammar, and punctuation.
- Techniques for providing a high level of customer service by effectively dealing with the public, coalition partners, vendors, contractors, and Commission staff.
Ability to:
- Perform phone and online intakes and referrals; for eligibility reviews, loan processing, and client management work with accuracy, speed, and minimal supervision.
- Interpret, analyze, and apply administrative and departmental policies and procedures.
- Learn and understand the organization and operation of the Commission and of outside agencies as necessary to assume assigned responsibilities.
- Research, analyze, and summarize data and prepare accurate and logical written reports.
- Respond to and effectively prioritize multiple phone calls and other requests for service.
- Compose correspondence and reports independently or from brief instructions.
- Make accurate arithmetic, financial, and statistical computations.
- Organize, maintain, and update office database and records systems.
- Operate modern office equipment, including computer equipment and word-processing, database, spreadsheet, and other software applications programs.
- Organize own work, set priorities, and meet critical time deadlines.
- Use English effectively to communicate in person, over the telephone, and in writing.
- Use tact, initiative, prudence, and independent judgment within general policy, procedural, and legal guidelines.
- Establish, maintain, and foster positive and harmonious working relationships with those contacted in the course of work.
Education & Experience:
Equivalent to the completion of twelfth (12th) grade and four (4) years of responsible experience in loan processing, financial counseling or homebuyer education performing eligibility determination of potential homebuyers. Bilingual English/Spanish a plus.