Homeownership Advisor

HOMEOWNERSHIP ADVISOR

Nineteen percent of Black families in Minneapolis own their home compared to 57% of white families. Homeownership is the primary driver of intergenerational wealth creation. The successful candidate will have a strong commitment to racial equity and an interest in providing homeownership advising and education. This is a full-time (37.5 hours per week) position. The position involves working some regularly scheduled evenings and weekends and reports to the Homeownership Services Program Manager.PRG’s regular office hours are M-F 9 a.m.-5 p.m.

Responsibilities--Homeownership Advising and Education

• Obtain (after being hired) or maintain certifications for homebuyer counseling, homebuyer education, financial coaching, foreclosure prevention, and HUD Housing Counseling Certification.
• Adhere to National Industry Standards for Homeownership Education and Counseling.
• Complete required continuing education on an annual basis.
• ·Possess excellent people skills and be passionate about helping people obtain and sustain successful homeownership.
• Conduct individualized advising sessions with clients interested in purchasing a home.
• Facilitate weekend homebuyer education workshops..
• Travel for training, occasional meetings and events as needed.
• Additional duties as assigned.

Provision of these services requires advisors to be able to:

• Assess client needs and develop corrective action plans to overcome barriers.
• Advocate for default/foreclosure clients with servicers or mortgage lenders as needed and provide coaching on ways to decrease the probability of default in the future.
• Assist clients with goal setting, budgeting, credit building, debt, savings, and related financial topics.
• Review and understand credit reports to assist clients.
• Review mortgage loan eligibility and affordability.
• Routinely calculate income, debt, and housing ratios and perform other mortgage lending-related math.
• Examine various mortgage loan, down-payment assistance, and financial products with clients.
• Provide fair housing and consumer protection information.
• Engage in ongoing follow-up with clients on referrals and progress toward goals.
• Maintain client files and data in accordance with funder and data privacy requirements.
• Follow required protocol and program requirements.
• Note: Advisors are not permitted to have an active real estate license.

Experience and Qualification Requirements

• High School Diploma/GED required; BA/BS in housing, adult education, or social work field preferred.
• Experience in case management, housing, lending, or related experience.
• Excellent working knowledge of Microsoft Word, Excel, Outlook, and databases.
• Demonstrable experience working with communities of color and low-income individuals and families.
• Excellent communication skills including ability to establish relationships with clients, loan officers, real estate agents, and others involved in the homebuying process.
• Demonstrable attention to detail.
• Demonstrated ability to work independently and take initiative in performing duties.
• Ability to independently operate a motor vehicle. Must have access to reliable transportation and ability to transport materials that are used to facilitate classes and outreach events.
• Ability to work in a busy environment.
• Hear and speak to communicate with others. Ability to listen effectively to other people.
• Strong writing skills.
• Work at a desk, telephone, and computer for extended periods of time.
• Move throughout the office to conduct various tasks.
• Able to perform physical dexterity for computer keyboarding.

Desirable Knowledge, Abilities, and Skills

• Current certifications in Homebuyer Counseling, Homebuyer Education, Financial Coaching, Foreclosure Prevention, and HUD Housing Counselor Certification.
• Strong financial skills including knowledge about credit, debt, money management, financial products and services, and consumer protection laws.
• Bilingual in English and Somali is a plus.
• Experience and comfort with public speaking.

Salary and Benefits

· $49,500-$54,900 salary commensurate with experience and qualifications.

· Paid time off (22 days in the first year) plus 13 paid holidays

· Monthly PRG benefit contribution of $750.

To Apply

Submit cover letter and résumé via email to Theressa Ruiz , Program Manager, theressa@prginc.org

PRG is an Equal Opportunity Employer. All qualified applicants will receive consideration for employment, regardless of their race, color, creed, religion, ancestry, national origin, sex, sexual orientation, gender identity, disability, age, marital or familial status, status concerning public assistance, or other protected status. Applicants of color are strongly encouraged to apply.

Job Type: Full-time

Pay: $25.38 - $27.95 per hour

Expected hours: 37.5 per week

Benefits:

• 401(k)
• 401(k) matching
• Dental insurance
• Employee assistance program
• Flexible spending account
• Health insurance
• Health savings account
• Life insurance
• Paid time off
• Paid training
• Parental leave
• Retirement plan
• Vision insurance

Weekly schedule:

• Monday to Friday
• Weekends as needed

Work setting:

• In-person
• Office

Experience:

• Financial concepts: 1 year (Preferred)

Work Location: In person