Home Ownership Consultant

  • Neighborhood Housing Services of Chicago
  • 1279 North Milwaukee Avenue, Chicago, IL, United States
  • Jan 18, 2018
Full time Nonprofit-Social Services Bilingual

Job Description

SCOPE AND RESPONSIBILITIES: 

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. 

Specific Responsibilities: 

Home buyer Education and Pre-Purchase Counseling 

  • Serve as an instructor for the NHS eight hour home buyer education curriculum, offered evenings and weekends, covering: (1) home ownership 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 home ownership. 
  • Conduct client follow up to facilitate the home buying process and document outcomes. 
  • Participate in the administration of down payment assistance programs including eligibility screening and income certification. 

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. 

PERFORMANCE MEASURES 

  • Documented counseling hours in NHS databases.
  • Documented counseling outcomes across assigned programs.
  • High level of customer satisfaction with NHS services.
  • Adherence to established policies and procedures for the delivery of counseling and education services. 

Experience / Skills required: 

  • Associate’s degree required, Bachelor’s degree preferred.
  • 2-4 years of experience in housing counseling, credit counseling, mortgage lending/processing, or real estate sales preferred.
  • Flexible work schedule, including ability to work some nights and Saturdays.
  • Proficiency in Windows-based software; Demonstrated ability to learn and use database, customer tracking, and other software.
  • Knowledge of the components of the housing counseling program and home buying process.
  • Ability to compare and contrast financial information and calculate mortgage affordability analysis.
  • Ability to communicate effectively both orally and written. 

NHS is an Equal Opportunity Employer committed to a diverse and talented workforce. 

Contact information: 

Interested applicants should apply via the following url for consideration: 

https://workforcenow.adp.com/jobs/apply/posting.html?client=NHSORG&jobId=110198&lang=en_US&source=CC3