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Habitat for Humanity of Greater Nashville

Homebuyer Qualification Manager

Habitat for Humanity of Greater Nashville

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Job Summary

The Homebuyer Qualification Manager manages Habitat’s homeownership program application process serving five middle Tennessee Counties with the outcome of selecting 40-50 new homebuyers annually who will partner with Habitat to build and purchase homes with an affordable mortgage offered by Habitat and its funding partners. Responsibilities include determining applicants’ eligibility for Habitat’s need-based, affordable mortgage program using internal and funding partner underwriting criteria, promoting the program to the community, and leading the processes to receive applications and associated documents, communicate with applicants, and manage files using a CRM database (Salesforce). Prepares reports and presents applications to the volunteer Homeowner Selection Committee for their monthly meetings that include final review of applicants. A technologically savvy candidate with strong aptitude toward advancing Habitat’s transition to an online application process is highly desired. Additionally, a successful candidate will exhibit superb ability to organize workflows, analyze income and credit, and motivation to provide excellent service and communication to diverse audiences.

Job Responsibilities

Application Processing & Homeowner Selection

  1. Manages application intake processes including scheduling and communicating application periods internally and externally, and management of the online application tool, Salesforce database, and electronic files for each applicant.
  2. Utilizing agency technology vendors, assists with the creation, update, management, and improvement of the online application and digital tools used with applicants ensuring all applicable laws are followed.
  3. Analyzes efficiency and effectiveness of selection and application processes and materials and evaluates opportunities to leverage technology to improve efficiency and effectiveness.
  4. Conduct initial underwriting review of applications, calculating income and evaluating credit reports and other information to determine potential eligibility under Habitat’s Selection Criteria.
  5. Makes decline decisions or determines need for additional information based upon current eligibility guidelines, grants, and processes.
  6. Drafts and sends Adverse Action Notices and Notice of Incomplete letters to applicants ensuring timely and accurate response in accordance with agency standards and legal compliance.
  7. Processes applications including the collection and organization of application documents for electronic filing, ordering credit reports, and determining additional documentation that is needed to complete the application.
  8. Requests and analyzes rental and employment verifications and criminal background check reports.
  9. Conducts interview meetings (in person or video conference) with applicants that have complete applications and have been initially determined to meet eligibility guidelines.
  10. Prepares reports on applications recommended for approval, declined applications and other application statistics for the Director of Homeowner Services and the Homeowner Selection Committee.
  11. Maintain thorough understanding and knowledge of HFHGN (Habitat for Humanity of Greater Nashville) Homeowner Selection Criteria and Policies, current build schedules, expected sales prices, and grants through regular review with the Director of Homeowner Services to evaluate applications in line with these.
  12. Maintains familiarity with eligibility guidelines for agency received grants including Tennessee Housing Development Agency’s (THDA) New Start loan program, Metro Nashville Barnes Housing Trust Fund, U.S. Department of Housing and Urban Development’s (HUD) SHOP and HOME programs, and Federal Home Loan Bank’s (FHLB) Affordable Housing Program (AHP), and any other current agency funding sources.
  13. Maintains familiarity with the Habitat for Humanity International’s (HFHI) Affiliate Operations Manual and other guidance for Homeowner Selection.
  14. Completes annual federal and state training on applicable laws. In Tennessee, Habitat affiliates are not currently required to maintain NMLS licensure. However, staff acting in the role of “loan originator” must meet criminal background requirements and complete annual trainings on federal and state credit, mortgage, and housing laws and maintain awareness and compliance with these with specific understanding of how each applies in the Habitat setting. Laws include Fair Housing, Equal Credit Opportunity (ECOA), Americans with Disabilities Act (ADA), Privacy, Real Estate Settlement Procedures Act (RESPA), Truth in Lending Act (TILA), and Dodd-Frank (CFPB-Consumer Financial Protection Bureau).

 

Applicant Outreach and Information

  1. Serves as the contact for potential and current applicants of the Habitat homeownership program.
  2. Coordinates with the Marketing team to create and distribute marketing materials, social media content, and agency website content related to program application and eligibility ensuring that information available to potential applicants is current and updated as needed and is inclusive of all service areas.
  3. Establishes a diverse pool of applicants for the Habitat homeownership program furthering the agency’s Affirmative Marketing Policy.
  4. Schedules and conducts Information Meetings to inform the public about Habitat’s program.
  5. Provides and ensures individualized accommodations to potential applicants and applicants with disabilities in accordance with the agency’s Affirmative Marketing & Reasonable Accommodations Policy.
  6. Maintains and seeks familiarity with programs that support low-to-moderate income households in our service area for the purpose of referring applicants to or receiving applicants from these programs, including but not limited to Section 8, MDHA (Metropolitan Development & Housing Agency) programs, public housing, transitional housing programs, Financial Empowerment Center, HUD housing counseling agencies and THDA homebuyer education providers.
  7. Tracks and evaluates the effectiveness of outreach strategies.

 

Other

  1. Supports the Homeowner Academy education program as needed (in person and virtual classes typically held on Tuesday and Thursday evenings from 6:00-8:00p.m.)
  2. Provide agency support (volunteer parking and welcoming assistance) and support of future homeowners at the volunteer build site (typically 6:30a.m. – 8:00a.m. on Saturdays and Sundays several times a year).
  3. Participate in and assist with home dedications (sometimes occurring on weekends).

 

ESSENTIAL FUNCTIONS OF THE JOB:

  1. Manages all homebuyer program application processes.
  2. Serves as subject matter expert in development and update of online application and other tools.
  3. Conduct analysis and underwriting review of applications.
  4. Serve as the contact for potential and current applicants of the Habitat homeownership program.
  5. Recruit applicants and create partnerships through outreach to local agencies.
  6. Works successfully with people from diverse backgrounds.
  7. Regular and reliable attendance required.

Qualifications

QUALIFICATIONS:

Education/Experience: Three to five years’ experience in mortgage underwriting, consumer lending, financial services, or a housing setting. Experience in application process management preferred. Bachelor’s degree in a related field.

 

Computer Skills: Skilled with Microsoft Excel and aptitude for numerical analysis. Skilled in the use of Microsoft Office, Outlook, Word, Excel, PowerPoint, and Adobe Acrobat, and videoconferencing required. Experience with Salesforce, applicant pipeline tools, or other CRM databases preferred.

 

Other:

  • Strong analytical and critical thinking skills and attention to detail
  • Ability to organize workflows to manage large volume of applications
  • A customer-oriented approach with superior interpersonal skills
  • Excellent communication, both written and verbal
  • Works collaboratively with a team
  • The desire and ability to work respectfully with people of all cultures, languages, national origins, races, ethnic backgrounds, religions, classes, immigration status, sexual orientations, gender identity and expressions, ages, mental or physical abilities and other diversity factors.
  • Motivation to contribute to the provision of affordable homeownership and conduct all activities in accordance with Habitat principles and values.
  • Excellent work and business ethics
  • Meets criminal background and credit review standards to perform the duties of a loan originator.

TIME REQUIREMENTS:

Approximately 40+ hours per week. Regular office hours are required including some evenings and weekends to assist with classes, outreach, and build site/dedication activities. Satisfactory attendance is required.

Additional Information

Benefits

Full Time Employees are eligible to participate in HFHGN’s Benefits including:

  • Paid time off
  • Holiday pay
  • Medical Insurance
  • Dental Insurance
  • Vision Insurance
  • Life Insurance
  • Agency Simple IRA retirement match option.

How to Apply

For all interested and qualified candidates please send a Cover Letter and Resume with three professional references to: jobs@habitatnashville.org

Details

  • Date Posted: May 5, 2022
  • Type: Full-Time
  • Job Function: Programs and Service Delivery
  • Service Area: Housing