Closing Coordinator

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Overview:
One of the leading affordable housing nonprofits in the area, Habitat Charlotte Region partners with hundreds of families each year through affordable homeownership, home preservation and financial literacy training. As a Closing Coordinator, you’ll play an integral role in our vision of a world where everyone has a safe and affordable place to live.

Why Join Habitat?
Competitive salary and benefits
Industry-leading healthcare, dental, vision, flexible spending accounts (healthcare and dependent care)
Work/life balance supported by generous PTO
Career development and promotion opportunities
Casual working environment
Retirement planning – a 403(b) with 3% organizational match

Basic functions:
The Closing Coordinator will support pre and post-closing loan processing activities in connection to primary and secondary mortgage loan origination and down payment assistance funding. This position will schedule and coordinate all stages of the closing process for Habitat Charlotte Region’s Homebuyer program participants, and will aid with tasks and document preparation for other miscellaneous closing processes, with real estate and mortgage services activities as assigned.

Essential functions (other duties may be assigned):
• Request or prepare documentation required to complete final analysis of loan applications including income and asset verifications from buyers, calculation of qualifying ratios and loan affordability, credit report updates, homeowner’s insurance, and flood certifications
• Request and provide specific review of pertinent transaction documents including title insurance commitments, property surveys, and appraisals
• Prepare application submissions to third party lenders and down payment assistance providers and manage satisfaction of external underwriting conditions
• Prepare and present initial and final loan disclosure documentation in accordance with federal and state laws and agency disclosure guidelines regarding residential mortgage origination
• Explain mortgage concepts, loan terms, and other specific terms of purchase to program participants individually and as class facilitator for Habitat’s Homebuyer Education Series
• Communicate with borrowers, loan originators, vendors, attorneys, and internal management to ensure all parties are aware of loan status and any outstanding requirements to meet closing dates
• Assist with setup and activation of loans in servicing database and post-closing file audits for compliant record keeping and data maintenance
• Participate in routine and special cross-departmental collaborations with Construction, Homeowner Services, and Government Grants to ensure programmatic timeline benchmarks and grand funding requirements are met
• Maintain regular and specific communications with construction site supervisors to track individual home build or renovation progresses for accurate and timely scheduling of the mortgage closing
• Provide support with property walk throughs to aid in quality control
• Assist with home warranty inquiries and in tracking timely resolutions

Required knowledge, skills, abilities and education:
• Minimum 3-year mortgage lending or real estate closing experience
• Proficient with the Microsoft Suite, particularly Excel, and adept at learning new IT platforms
• A bias toward action with an aptitude and attitude to meet, if not exceed, monthly goals and benchmarks
• Professional poise and attitude to effectively communicate with all staff levels, relevant external parties, and Habitat’s program participants
• General knowledge of mortgage lending and the Real Estate Settlement Procedures Act (RESPA)
• Excellent organizational skills and able to manage multiple priorities with a high attention to detail while meeting strict timelines and deadlines
• College degree preferred, or any combination of the noted skills that demonstrates ability to perform the responsibilities of this position
• Experience using mortgage servicing software
• Notary Public (current or eligible)
• Experience working with ethnically and socio-economically diverse populations
• Ability to work with and through an interpreter as needed
• Willingness and demonstrated ability to work well with all types of people, communicating positively and respectfully when interacting with employees, homeowners, volunteers and the public
• Excellent communication and customer service skills
• Must possess motivation, initiative, self-direction, and personal integrity
• Demonstrated ability to follow through with tasks and responsibilities
• Consistent and reliable attendance; adhere to schedules and deadlines
• Represent Habitat in a positive manner to other staff, Homeowners and HIP, Community Partners, Volunteers, Habitat Partner Families, and others you come in contact with, ensuring teamwork, engagement and motivation of others.
• Willingly adhere to Habitat’s Code of Conduct Policy and any other policies set forth by the organization
• Valid driver’s license with personal vehicle that will be used for business purposes and the ability to be insured by Habitat’s insurance provider
• Commitment to Habitat program

Physical requirements:
• Ability to lift up to 20 lbs. unassisted occasionally
• Ability to work on a computer for up to 8 hours in a day
• Ability to sit for prolonged periods of time
• Ability to communicate in person, over phone and/or via computer
• Ability work in office environment as needed which requires ability to speak, hear, with the visual and manual dexterity to manage papers, reports, and typing
• Must embody the capacity to maintain the following for several hours at a time: use of personal computer or similar technology, phone, sitting as required.

Estimated time commitment:
40 hours/week, Monday-Friday schedule. Between the approximate hours of 8 a.m. and 5 p.m.

Habitat for Humanity of the Charlotte Region is an Equal Opportunity Employer and a drug-free workplace. A pre-employment drug screen and background check is required.

Habitat for Humanity of the Charlotte Region program funding often includes federal funding, and this role may support federally funded activities. People qualifying as Section 3 residents per Section 3 of the HUD Act of 1968 (12 U.S.C § 1701u) and its associated regulations (24 C.F.R. Part 75) are encouraged to apply. Information on Section 3 qualifications and certification material available upon request.