DUTIES AND RESPONSIBILITIES

Recruitment: recruit low- and moderate-income individuals and families seeking to become homeowners. 

• Ensure targeted outreach to under-served populations, particularly African Americans. 
• Create a plan for marketing and promoting the program and update plan as needed. 
• Establish and maintain relationships with referral sources including: public agencies, public housing, churches and other community- and faith-based organizations, realtors, other ULGM programs, and others who may refer prospective homebuyers. 

Training & Counseling: 

• Ensure prospective and current program participants receive the training and individualized counseling to successfully secure financing, maintain their home, and improve their financial situation
• Provide pre-purchase counseling to collect and analyze client information including income, credit report, assets, debts, and other personal financial information. 
• Conduct pre-purchase and post-purchase homebuyer education classes regarding the process of qualifying for, purchasing, and maintaining a home after purchase. 
• Work with each client to develop, implement, and monitor an individualized financial empowerment plan. 

Lending: Underwrite, originate, service and ensure compliance of home mortgage loans

• Gather homebuyer identification, signed authorizations, and key personal financial documentation to ensure compliance with program eligibility requirements. 
• Work with senior management to set loan policies, standards, and procedures.
• Meet with individuals to analyze their credit, assets, and financial status.
• Deny or approve loans and be able to offer alternatives when necessary.
• Work with homeowner that have become delinquent to figure out ways to address delinquent payments.

Project Development: Work closely with the housing development team including the CEO, Senior Vice President, CFO, and Department Director to support:

• Developing new business/project opportunities including feasibility analyses of potential projects and responses to Request for Proposals (RFPs).
• Conducting market research, developing proforma financial models, analyzing deal structures, and evaluating project feasibility and risks.
• Evaluating eligibility and competitiveness for affordable housing funding sources (e.g. LIHTC, HOME, CDBG, AHP, etc.) and conventional financing sources. 
• Engaging and managing general contractors and other contractors/consultants to complete appraisals, inspections, environmental reviews, zoning and inspection compliance, renovation, and construction. 
• Maintain due diligence checklist, review due diligence documents, and distill critical information for larger project team.

Other duties as defined by supervisor.

QUALIFICATIONS

• Minimum of 3 years of prior experience providing home ownership counseling, financial capability training, and/or mortgage lending. 
• Prefer HUD Housing Counselor Certification or must obtain within 90 days of hire.  
• Strong commitment to the mission of the Urban League of Greater Madison and to working with individuals from diverse racial/cultural backgrounds.
• Excellent written and oral communications skills. 
• Ability to deal calmly with clients who may be in difficult situations.
• Reading, writing and mathematical skills with mathematical aptitude sufficient to produce error-free loan documentation and complete and accurate client files.
• Ability to create household budgets and offer money management solutions.
• Experience in pulling and analyzing credit reports.
• Experience and familiarization with mortgage financing and mortgage loan documents.
• Knowledge of homebuyer education programs, credit counseling and case management and HUD housing rules and regulations.
• Knowledge of mortgage lending industry, community resources, service delivery networks and affordable housing programs and services.
• Detail oriented, highly organized, and able to meet goals within established timelines.
• Ability to compile data and prepare various monthly, quarterly and annual reports.
• Computer skills including MS Windows, Office 365, e-mail, and internet.