Foreclosure Assistance Counselor

  • 104325
    54

     
SUMMARY: Under limited direction, conducts face to face interviews with homeowners facing foreclosure of their primary residence, interacts with home mortgage lenders on the homeowners behalf negotiating modifications and workouts, provides housing expense budgeting and debt counseling to assist homeowners; may perform related duties as assigned.

ESSENTIAL FUNCTIONS: (Essential functions, as defined under the Americans with Disabilities Act, may include the following tasks, knowledge skills, and other characteristics. This list is ILLUSTRATIVE ONLY and is not a comprehensive listing of all functions and tasks performed by incumbents of this class.)

DUTIES AND RESPONSIBILITIES: (which are not in any hierarchical order)
  • Conducts a comprehensive overview of the client’s financial situation; conducts multiple face to face interviews with homeowners; collects documents and gathers required authorizations.
  • Identifies client’s goals; assists clients with creating a spending plan; educates clients on using available resources to meet priority expenses and support financial goals.
  • Pulls credit reports; copies of existing mortgage documents and deeds from exterior data sources provided by the City; reviews debt obligations, including analysis of the credit report, if available.
  • Builds and maintains case files for each client interviewed; prepares appropriate documentation of all counseling sessions in accordance with appropriate guidelines.
  • Complete computer data file in the Loss Mitigation data system or any other related software.
  • Contacts first and second mortgage lenders to negotiate mortgage workout.
  • Determines resolution to mortgage problems and counsels homeowner accordingly; works with both lender and homeowner and conclude the resolution and sets up future counseling sessions with homeowner.
KNOWLEDGE, SKILLS AND ABILITIES:
  • Knowledge of Florida mortgage and foreclosure laws and processing.
  • Knowledge of City, Federal and State laws, rules, regulations, and ordinances related to area of assignment.
  • Knowledge of general office machines, practices and procedures.
  • Knowledge of advanced computer software programs pertinent to area of assignment.
  • Knowledge of basic accounting procedures.
  • Knowledge of recordkeeping/file maintenance practices and procedures.
  • Knowledge of personal computers and applicable software applications.
  • Ability to write and speak clearly, adhering to commonly accepted rules of grammar.
  • Ability to read, analyze, and interpret general business periodicals, professional journals, technical procedures and local, state and federal rules and regulations applicable to area of assignment.
  • Ability to write reports and business correspondence.
  • Ability to effectively present information and respond to questions from groups of managers, clients, customers, and the general public.
  • Ability to define problems collects data, establish facts and draw valid conclusions.
  • Ability to establish and maintain effective working relationships with those contacted in the course of work.
PHYSICAL REQUIREMENTS AND WORK ENVIRONMENT: Work involves sedentary to light work in an office setting. There is frequent need to stand, stoop, walk, site, lift light objects (up to 10 pounds) and perform similar other actions during the course of the workday. The City of West Palm Beach promotes and maintains a drug/alcohol free work environment through the use of mandatory pre-employment and random drug testing for certain employees.

MINIMUM QUALIFICATIONS: Bachelor’s degree form an accredited college or university in Business Administration, Finance, Public Administration or related field and two (2) years of financial, credit, mortgage and/or social service/counseling experience is required. A Master’s degree with a demonstrated ability to perform the stated duties gained through academic coursework/previous work experience will be accepted in lieu of two years of experience. A valid driver’s license from any state (equivalent to a State of Florida Class E) may be utilized upon application; with the ability to obtain the State of Florida driver’s license within 30 days from day of appointment. Certification from an approved HUD or State of Florida Certification program , required. Bilingual, preferred.

Alternate Educations and Experience Requirements High school diploma or GED and six (6) years of financial, credit, mortgage and/or social service/counseling experience. Certification from an approved HUD Certification program, required. Associate’s degree from an accredited college or university in Business Administration, Finance, Public Administration, or related field and four (4) years of financial, credit, mortgage and/or social service/counseling experience. Certification from an approved HUD Certification program, required.
FLSA Code: E
B/U: None
Last revision date: January 2009