Mortgage Loan Associate

The Mortgage Loan Associate is responsible for the mortgage application to close process of the homeownership program. This role works with Program Associates and borrowers to prepare them for homeownership and mortgage eligibility. This role assists with pre-closing preparations and provides technical support and culturally competent customer service during the loan closing.  The position will build and maintain strong partnerships with program staff and mortgage team staff to implement efficient processes leading to compliant, timely and successful residential mortgage closings.  The position reports to the Senior Program Manager.

Requirements

PRINCIPLE DUTIES:

• Leads mortgage preparation for the underwriting process for Habitat homeowner loans from application to closing with Mortgage Team staff. 
• Work with Family Services to compile, evaluate and manage the process needed for mortgage pre-qualification.  
• Leads, maintains and updates the homeownership application process including documents that meet compliance 
• Serves as the primary lead in Family Services for  Encompass 
• Maintains shared access tracking system to monitor status of all items leading to mortgage closing date;
• Analyzes applicant financial data;
• Resolves problems throughout application process through closing;
• Primary point of contact for all borrowers
• Review and explain Loan Estimates (LE’s), Closing Disclosures (CD’s) and mortgage documentation with borrowers.
• Ensures all mortgage regulations and standards are met and maintains credentials, including annual certification with American Bankers Association;
• Maintains current certifications and industry knowledge through research, workshops, training and required compliance;

SUPERVISORY DUTIES: None

KNOWLEDGE, SKILLS & ABILITIES:

• 2 years of Mortgage Lending experience, preferred 
• GED or high school diploma, required, bachelor degree in related field, preferred;
• 2-4 years of experience in a client-facing customer service roles. 
• Experience as a loan officer or related role preferred
• Experience with low- moderate-income populations, preferred;
• Excellent oral and written communication skills, required. Bi/multi-languages, a plus;
• Outstanding customer service skills with diverse, multi-lingual populations and organizational partners;
• MS Office suite and database experience required;
• Highly motivated and organized towards team success including organizational goals and individual professional development goals;
• Must be able to maintain a high degree of confidentiality;
• High level of attention to detail required;
• Requires evening and weekend hours, as needed;
• Goal oriented and Habitat Omaha mission driven required;

EQUAL OPPORTUNITY POLICY

Habitat for Humanity of Omaha (Habitat Omaha) actively recruits, employs, trains, compensates employees regardless of race, color, religion, sexual orientation, gender identity or expression, gender, national origin, age, disability, genetics or veteran status.  In addition to federal law requirements, Habitat Omaha complies with applicable state and local laws governing nondiscrimination in employment in every location.  This policy applies to all terms and conditions of employment, including workplace harassment.  

At Habitat Omaha, we have a clear vision to be the place where a diverse mix of talented people want to come, to stay, and to do their best work.  Our vision is to see a world where everyone has a safe, affordable place to live, and we know our company runs on the hard work and dedication of our passionate and creative employees.  Our dedication to promoting diversity, multiculturalism and inclusion is clearly reflected in the work that we do externally in the community, as well as internally with our employment practices.