Our corporate family is a team of passionate, enthusiastic, dedicated and highly qualified people. Our work allows us to create innovative solutions to complex housing issues in our community. We create housing opportunities that empower our people and build our community.
We have a great benefits package which includes the Public Employee’s Retirement System (PERS), Supplemental Benefit System Annuity Plan (SBS), and employer paid Life/STD/LTD insurance, extremely affordable health coverage, generous PTO accruals, paid holidays, an educational reimbursement program, a great wellness program and 457 optional pre-tax deferrals.
If you are interested in Homebuyer Assistance Officer the position and you have the expertise, skills and energy to match our mission to provide independence through housing, we encourage you to apply.
General Functions
Originate down payment assistance loans and promote CILC’s mortgage products and homebuyer programs. Coordinate grant applications for FHLB Des Moines’ HomeStart and NAHI grants. Ensure that standard company and any state, federal, and granting/funding agency policies are followed. Develop and maintain relationships with the real estate, lending, Tribal and non-profit sectors. Calculate the applicant's(s') household income using government-prescribed standards to determine eligibility for mortgage loan and homebuyer assistance products and programs.
Major Activities (Typical Duties/Responsibilities)
Market down payment loan programs to the real estate sales industry, Tribal entities, and other professional contacts.
Counsel homebuyers on various down payment assistance programs and grants, including FHLB Des Moines' HomeStart and NAHI grants. Explain eligibility requirements, necessary documentation, and application process.
Develops and maintains Down Payment Assistance program marketing strategies and campaigns.
Develop and maintain loan referral relationships with professionals in real estate, accounting, non-profit, Tribal, legal, and financial planning fields.
Promptly responds to all inquiries and online applications.
Maintains an organized loan application pipeline with clear communication in relation to application statuses, communication with third parties involved in the loan process, etc.
Interview buyer/applicants and originate down payment assistance loans and grants. Accept applications and input them to the origination system, provide required estimates and disclosures, and gather required documentation and fees to process mortgage loans.
Maintains knowledge of lender's underwriting criteria.
Maintains loan compliance through timely and accurate delivery of RESPA and TILA disclosures and re-closures.
Collect and review application documentation; determine completeness and eligibility for down payment assistance programs. Follow up with applicants regarding any missing or incorrect information.
Performs other tasks requested as they relate to Cook Inlet Lending Center, Inc., and its functions.
Ensure all loans are originated, disclosed and/or re-directed accurately and timely within all established regulatory compliance requirements and timeframes and ensure accurate submission to underwriting within a timely manner.
If the loan is approved, take final steps to ensure a smooth closing. If the loan is declined, verbally advise the borrower and issue applicable refunds. Return any documents not pertaining to credit.
Comply with local, state, or federal laws.
Create and maintain reports to keep staff and management up to date at weekly loan review meetings and as needed for management reporting. Effectively communicate to staff the status of borrower files on a regular basis and engage other team members as appropriate.
Remain SAFE Act compliant.
Skills and Abilities
Knowledge of practices, procedures, materials, and typical office equipment.
Must be willing to work occasional nights and/or weekends as the need arises.
Must be available to travel occasionally within the CIRI footprint and outside Alaska for approved training.
Demonstrated ability to work as a team member and utilize good communication skills both in oral and written form.
Must have excellent people skills to work with clientele of varying ages, abilities, and financial status. Ability to work through communication barriers or challenges.
Familiarity with LendingPad and Outlook along with other industry relevant software.
Ability to work with numbers, statistics, and other technical data. Superior analytical skills.
Valid Alaska Driver’s License
Education and Experience
Bachelor’s degree from an accredited college with coursework in marketing, business administration, or closely related field is encouraged but not required.
Two (2) years of loan origination and/or grant coordination experience is required.
Strong sales skills and a strong desire to be an intricate part of the real estate industry.
Additional experience in mortgage or consumer lending, real estate, accounting, CDFI, banking, or financial planning or financial coaching may be substituted for college on a year-for-year basis.
Must be able to work effectively with Tribal authorities/entities.
NMLS Licensed required or willing to obtain an Alaska Mortgage Loan Originator License within 90 days of hire.
Please visit www.cookinlethousing.org to submit an application.
Cook Inlet Housing Authority provides equal employment opportunities (EEO) to all employees and applicants for employment without regard to race, color, religion, sex, national origin, age, disability or genetics. Employment preference is given to eligible and qualified Alaska Native or American Indian candidates to the extent required or permitted by applicable law.