Homebuyer Closing Specialist - Habitat for Humanity Spokane
Spokane, WA 99202
About the Job
Job Title: Homebuyer Closing Specialist
Department: Homeowner Services
Reports To: Chief Program Officer
FLSA Status: Full Time, Non-Exempt
Compensation: $18-$21/hour
Summary: The Homebuyer Closing Specialist provides assistance in the partnership and closing process including pre-purchase education, gathering documents for closings and grant compliance, submitting loan application packets for 3rd party lenders, supporting the Future Homeowner and ensuring that all Fair Housing and Lending Laws are being followed throughout the process.
Reasonable accommodations may be made to enable individuals with disabilities to perform essential job functions.
Essential Duties and Responsibilities include the following. Other duties may be assigned.
- Work in conjunction with Homeowner Engagement Specialists in collecting all documents needed for loan application and origination.
- Assists Homeowner Services Department with teaching lending related classes in Habitat College.
- Create loan application in Calyx software to submit to 3rd party lender for loan origination.
- Determine best lender and submit loan packet to 3rd party lenders via secure website/portal. Advocate for best loan product per client needs.
- Point of contact with lender in assisting with additional document collection and loan calculation
- Serve as an ongoing point of contact for clients, helping them collect required information and complete any necessary documents throughout loan process.
- Update notes in database for meetings held with future and current homeowners.
- Work in conjunction with Chief Program Officer to obtain information and documents needed for grant application/compliance as requested.
- Determines when grants can be used, based on the knowledge from grantor contracts and terms.
- Quarterly reviews of all Future Homeowners to find any financing gaps and notifies Chief Program Officer of those gaps when applicable.
- Create Purchase and Sale Agreements and amendments as needed.
- Assists Chief Program Officer in preparing documents for homeowner closings including Promissory Notes, Subordinate Deeds, Retention Agreements and Bargain and Sale Deed.
- Coordinates with title company, 3rd party lenders and future homeowners to schedule document signing and closing meetings as needed to meet all closing and grant deadlines.
- Pre-closing meeting with families to go over closing documents and procedures.
- Organize all closing and legal documents in homeowner hard files and on network.
- Assist Chief Program Officer in processing reconveyance documents as needed.
- Assist homebuyers as needed with immediate post purchase assistance, such as changing utilities, setting up payment portal, etc.
- Assists Chief Program Officer with onboarding new preferred 3rd party lenders and maintains the relationship with them.
- Maintains Federal and State QLO Certification
- Keeping in compliance with RESPA, TILA and all fair housing and lending laws at all times is required.
- Represent HfH-S in all aspects of professional service abiding by all policies and procedures.
- Attends all Habitat for Humanity-Spokane Events and meetings as required
Active support of HFHS Values:
- Humility – We are part of something bigger than ourselves
- Courage – We do what’s right, even when it is difficult or unpopular
- Accountability – We take personal responsibility for Habitat’s mission
Supervisory Responsibilities: None
Competencies To perform the job successfully, an individual should demonstrate the following competencies:
- Analytical - Collects and researches data; Uses intuition and experience to complement data; Designs workflows and procedures.
- Design - Demonstrates attention to detail.
- Problem Solving - Identifies and resolves problems in a timely manner; Gathers and analyzes information skillfully; Develops alternative solutions; Works well in group problem solving situations; 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 partner family, donor or volunteer situations; Responds promptly to partner family, donor or volunteer needs; Solicits feedback to improve service; Responds to requests for service and assistance; Meets commitments. Comfortable and confident in working with a diverse population of constituents: vulnerable populations, donors, volunteers etc.
- Interpersonal Skills - Focuses on solving conflict, not blaming; Maintains confidentiality; Listens to others without interrupting; Keeps emotions under control; Remains open to others' ideas and tries new things.
- Oral Communication - Speaks clearly and persuasively in positive or negative situations; provides clear & concise communication with visitors and understands boundaries & is committed to the effective conflict resolution to maintain a good work environment; Listens and gets clarification; Responds well to questions; Demonstrates group presentation skills; Participates in meetings.
- Written Communication - Writes clearly and informatively; Edits work for spelling and grammar; Varies writing style to meet needs; Presents numerical data effectively; Able to read and interpret written information.
- Teamwork - Balances team and individual responsibilities; Exhibits objectivity and openness to others' views; Gives and welcomes feedback; Contributes to building a positive team spirit; Puts success of team above own interests; Able to build morale and group commitments to goals and objectives; Supports everyone's efforts to succeed.
- Visionary Leadership - Displays passion and optimism; Inspires respect and trust.
- Change Management - Develops workable implementation plans; Communicates changes effectively; Builds commitment and overcomes resistance; Prepares and supports those affected by change; Monitors transition and evaluates results.
- Leadership - Exhibits confidence in self and others; Accepts feedback from others; Gives appropriate recognition to others.
- Quality Management - Looks for ways to improve and promote quality; Demonstrates accuracy and thoroughness.
- Business Acumen - Understands business implications of decisions; Displays orientation to profitability; Demonstrates knowledge of market and competition; Aligns work with strategic goals.
- Diversity - Demonstrates knowledge of EEO policy; Shows respect and sensitivity for cultural differences; Educates others on the value of diversity; Promotes a harassment-free environment.
- Ethics - Treats people with respect; Keeps commitments; Inspires the trust of others; Works with integrity and ethically; Upholds organizational values.
- Organizational Support - Follows policies and procedures; Completes administrative tasks correctly and on time; Supports organization's goals and values; Benefits organization through outside activities; Supports affirmative action and respects diversity. Understands or is willing to learn issues of poverty both locally and globally.
- Strategic Thinking - Develops strategies to achieve organizational goals; Understands organization's strengths & weaknesses; Analyzes market and competition; Identifies external threats and opportunities; Adapts strategy to changing conditions.
- Judgment - Displays willingness to make decisions; Exhibits sound and accurate judgment; Supports and explains reasoning for decisions; Includes appropriate people in decision-making process; Makes timely decisions. Does not pass judgment and committed to representing Habitat for Humanity-Spokane in a positive light.
- Motivation - Sets and achieves challenging goals; Demonstrates persistence and overcomes obstacles; Measures self against standard of excellence; Takes calculated risks to accomplish goals.
- Planning/Organizing - Prioritizes and plans work activities; Uses time efficiently; Plans for additional resources; Sets goals and objectives.
- 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; Looks for ways to improve and promote quality; Applies feedback to improve performance; Monitors own work to ensure quality.
- Quantity - Meets productivity standards; Completes work in timely manner; Strives to increase productivity; Works quickly.
- Safety and Security - Observes safety and security procedures; Determines appropriate action beyond guidelines; Reports potentially unsafe conditions; Uses equipment and materials properly.
- Adaptability - Adapts to changes in the work environment; Manages competing demands; Changes approach or method to best fit the situation; 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; Seeks increased responsibilities; Takes independent actions and calculated risks; Looks for and takes advantage of opportunities; Asks for and offers help when needed.
- Innovation - Displays original thinking and creativity; Meets challenges with resourcefulness; Generates suggestions for improving work; Develops innovative approaches and ideas; Presents ideas and information in a manner that gets others' attention.
Qualifications To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
Education and/or Experience
One-year lending experience and/or training required. One-year experience in a social services setting. Must have knowledge of RESPA, TILA, Fair Housing and Lending Laws.
Language Skills
Ability to read and interpret documents such as safety rules, operating and maintenance instructions, and procedure manuals. Ability to write routine reports and correspondence. Ability to speak effectively before groups of customers or employees of organization.
Mathematical Skills
Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.
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 Skills
To perform this job successfully, an individual should have knowledge of Raisers Edge, Calyx Point, Microsoft Office Suite, Basecamp and Adobe Pro.+
Certificates, Licenses, Registrations
QLO Certification (to be completed upon hire)
Other Requirements
Subject to a criminal background check, credit check and drug and alcohol testing.
Other Qualifications
Habitat for Humanity-Spokane is a Christian housing ministry, and all employees serve in a ministerial and service capacity.
Physical Demands 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 use hands to finger, handle, or feel and talk or hear. The employee is frequently required to sit. The employee is occasionally required to stand; walk; reach with hands and arms; climb or balance and stoop, kneel, crouch, or crawl. The employee must regularly lift and /or move up to 10 pounds, frequently lift and/or move up to 25 pounds and occasionally lift and/or move up to 50 pounds. Specific vision abilities required by this job include close vision, distance vision, peripheral vision, depth perception and ability to adjust focus.
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.
While performing the duties of this Job, the employee is occasionally exposed to moving mechanical parts and outside weather conditions. The noise level in the work environment is usually moderate.
Benefits
- Medical
- Dental
- Vision
- 403B
- Life Insurance
- PTO
- Holidays
- Vacation Leave
- Sick Leave
- Education Assistance
- Flex/HSA/Dependent Care FSA Accounts
- 529 Plan
- and others!
How to apply
Email a resume, cover letter, and a completed Habitat for Humanity-Spokane employment application to recruiting@habitat-spokane.org.
Email a resume, cover letter, and a completed Habitat for Humanity-Spokane employment application to recruiting@habitat-spokane.org.
A complete job description and Habitat for Humanity-Spokane employment application are available for download on our website at https://habitat-spokane.org/about-us/employment/
We are an equal opportunity employer. We are seeking candidates to help us further our mission of bringing people together to build homes, community, and hope. We believe that everyone deserves a decent place to live, and we are dedicated to building affordable homeownership opportunities in Spokane County.
Source : Habitat for Humanity Spokane
