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Director of State Policy

The Organization:


Self-Help is a community development lender founded in 1980 that creates and protects ownership and economic opportunity for minority, women-headed, rural and low-wealth families through home and small business lending. It has provided over $6 billion in financing to help more than 75,000 low-wealth borrowers buy homes, start and build businesses, and strengthen community resources across the country. Self-Help's affiliate, the Center for Responsible Lending, researches and advocates for state and national legislation to address predatory lending practices and policies.


Self-Help and the Center for Responsible Lending are national organizations based out of Durham, North Carolina with regional offices in North Carolina, Washington DC, and California. Nationally and internationally recognized as a leader in community development lending, Self-Help is one of twelve nonprofits featured in Forces for Good: The Six Practices of High Impact Nonprofits.


Position Description:


Ensures timely and accurate processing, documentation and packaging of new mortgage loans originated by loan officers; reviews existing mortgage files for accuracy and completeness to meet organizational and regulatory guidelines.


Essential Responsibilities:


• Verify borrower information in home loan applications.

• Gather information on each file and move the application from pre-approval to underwriting.

• Input and ensure accuracy of loan information.

• Review all credit, verifications, appraisal and other loan documentation prior to submission to underwriting.

• Request additional documentation as needed after review of initial borrower documentation.

• Log in and analyze all loan documents and verifications as received.

• Ensure origination system and tracking is up to date at all times.

• Serve as primary contact for borrowers and loan officers regarding loan status.

• Review loan applications to ensure completeness, accuracy and compliance with credit union guidelines as well as federal and state laws and regulations.

• Review and analyze appraisal for accuracy, completeness and adherence to credit union guidelines.

• Properly and accurately process complex and unusual mortgage loan files with minimal supervision or assistance.

• Note discrepancies in borrower documentation and communicate problems and issues to loan officer and underwriter.

• Prepare and submit file to underwriting.

• Provide guidance to new loan officers on product guidelines and operations process.

• Provide back up support for closing, post-closing and other mortgage operational functions on an as-needed basis.

• Provide case management and support services to delinquent mortgage borrowers including analysis of borrower's financial situation, budgeting, explanation of mortgage terms and options, analysis of collateral value, review of eligibility for any local or state assistance and general borrower assistance with access to community resources as needed.


Qualifications:


• A Bachelor's degree and a two (2) to three (3) year's mortgage or related financial experience; or an equivalent combination of education and experience.

• Attention to detail.

• Ability to effectively plan, organize and prioritize work.

• Ability to effectively present information and respond to questions from groups and /or individuals.

• Mathematical skills including calculating figures and amounts such as discounts, interest and percentages.

• Knowledge of financial analysis and reporting of financial data.

• Basic understanding of FHA and conforming loan products.

• Knowledge of financial analysis and reporting of financial data.

• Proficiency with Microsoft Word, Excel and PowerPoint.

• English/Spanish fluency is desired.


Physical Requirements:


The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.


• Close vision is required.

• The employee is regularly required to: sit and use hands to finger, handle or feel; type and use a keyboard; reach with hands and arms; talk; and hear.

• Employee is occasionally required to: stand; walk.

• The employee must occasionally lift and/or move up to 10 pounds.



Compensation:

Competitive nonprofit salary, based on experience, plus a generous benefits package.


Application:

To apply, please send resume and cover letter describing why you are a fit for this position to hiringmanager@self-help.org. Please include position title as subject of email.

Self-Help is committed to providing equal employment opportunities to all persons regardless of race, color, class, age, religion, disability that can be accommodated, marital status, ancestry, nationality, family status or sexual orientation.