Reporting to the Homeowner Services Director, the Loan Processor is responsible for distributing, evaluating and verifying loan applications and supporting documentation from pre-qualification to pre-closing, ensuring compliance with organizational policies and lending regulations in support of Asheville Area Habitat for Humanity’s (AAHH) Homeownership Program.

Essential Functions:
* Evaluate loan applications paying attention to detail with an emphasis on accuracy, completeness, and in compliance with fair housing and affiliate policies
* Responsible for program outreach, leading information sessions, and working with community leaders to identify buyers from priority populations, promoting the benefits of homeownership to build a diverse pipeline of qualified applicants
* Collect, analyze and verify income, credit, financial statements, tax returns, rental payments, confirming the applicant’s ability to repay a mortgage and their Willingness to Partner with Habitat
* Identify and address discrepancies between reported income and verified data, executing a thorough review of applicant’s financial records
* Communicate with applicants regarding the result of applications, missing or conflicting documentation, guiding them through the Habitat loan process and addressing inquiries in a timely and professional manner
* Organize and maintain accurate records, tracking application data from distribution to result
* Ensure all loan files meet internal and external compliance standards, protecting confidentiality and securing private data
* Oversee the preclosing process, ensuring borrowers are fully versed on the terms of multiple mortgages and coordinate closings
* Provide excellent customer service to borrowers, answering inquiries, setting expectations, and offering support throughout the loan process
* Conduct site visits, application review sessions, and pre-closing appointments, communicating participation guidelines, program requirements, relaying the buyers’ needs with relevant staff members
* Assist in the planning and implementation of the affiliate’s marketing plan emphasizing DEI
* Provide support to the Homeowner Services Department, performing other duties as assigned

QUALIFICATIONS:
* Experience in loan processing, financial services, or case management (minimum 2 years professional experience in relevant field or college degree)
* Exceptional attention to details, including ability analyze data and identify inconsistencies
* Advanced process management skills, high-level time-management and the ability to work independently
* Ability to track and evaluate large datasets to determine eligibility based on a wide range of factors
* Knowledge of loan processing and fair housing regulations (certified Loan Processor preferred)
* Excellent written and verbal communication skills
* High level computer literacy
* A commitment to racial and economic equity and proven experience working with diverse population
* Experience in affordable housing, community development, mortgage lending, case management, and financial literacy preferred
* Personal qualities of integrity, credibility, a commitment to and a passion for the mission of AAHH

WORK ENVIRONMENT AND PHYSICAL DEMANDS:
This job operates primarily in a professional office environment and routinely requires operating standard office equipment such as computers, phones, photocopiers, and filing cabinets.

https://ashevilleareahabitatforhumanity.applytojob.com/apply/59nqfpdz9m/Loan-Processor?source=HFHI

Pay Range: $27-$29/hr.


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