Reports To: Vice President of Residential Lending

Program: Welcome Home Loans

FLSA Status: Non-Exempt

Major Responsibilities/Accountabilities

• Attract new loan applications by developing relationships and outreach with manufactured-home buyers, realtors, retailers, other lenders, and resident-owned community leaders.
• Coverage area will be New Hampshire and Vermont with possible future expansion. 
• Respond to loan applicants and inquiries regarding loan products promptly and efficiently, in accordance with New Hampshire Community Loan Fund’s policies and procedures.
• Evaluate loan requests, including collecting required documents, verifying applicant information, ordering and analyzing credit reports to establish credit-worthiness, and calculating repayment ability.
• Maintain accurate and complete borrower application files. 
• In conjunction with our marketing and communications team, prepare marketing material for key audiences, including via print, mail, on-line, social media, video, and public speaking.
• Work with coaching providers by attending meetings and other events to promote mortgage loans to resident-owned community members. 
• Attend community events to promote the NH Community Loan Fund. 
• Participate in the research and development of new loan products and process improvements serving single family housing needs in accordance with the company’s strategic goals. 
• Understand and implement state and federal regulations for mortgage lending. 
• Update job knowledge by participating in educational opportunities; reading professional publications; maintaining personal networks; participating in professional organizations.
• Deliver high-quality and prompt customer service to applicants, borrowers and community partners. 
• Adhere to state and federal regulations as applicable. 
• Perform other duties as required to advance Community Loan Fund strategies and goals. 
• This candidate will be based in our Littleton, N,H. office so there will be the need to demonstrate the ability to work independently. 

Education and Experience

• High school diploma or equivalent
• Two years’ experience in residential mortgage loan origination, or equivalent, relevant experience.
• NH Mortgage Originators License through the Nationwide Multistate Licensing System & Registry (NMLS) or the ability to become licensed within 6 months.
• Ability to become licensed to originate mortgage loans in Vermont at a future date. 
• Demonstrated familiarity with loan amortization and loan origination software such as Byte Software. 
• Proven experience with Microsoft Office 2016 programs (Word, Excel, etc.), laptop computer, and navigating software remotely. 

Qualifications and Characteristics

• Strong organizational skills, attention to detail, ability to timely manage multiple priorities in a fast-paced environment to meet deadlines
• Excellent critical thinking and problem-solving skills
• Self-motivated individual contributor as well as flexible team player
• Excellent communication skills including superb listening skills; ability to work collaboratively with across organizational programs
• Ability to maintain confidentiality
• Ability to work remotely, but reside within commutable distance to Littleton, N.H. for periodic office visits. The candidate will also be asked to commute to Concord, N.H. for periodic office visits. 
• Bi-lingual fluency is a plus

Physical Demands

The physical demands described herein 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 essential functions.

While performing the duties of this job, the employee is regularly required to sit, talk, and hear. The employee is regularly required to stand, walk, use hand to finger, handle, and reach with hands and arms above shoulder height, stoop, kneel, and crouch. Specific vision abilities required in this job include the ability to adjust focus between near and far.

• Ability to answer telephones and use standard office equipment (copier, fax, etc.).
• Ability to read, write, and understand and speak English clearly.
• Ability to use a computer for Community Loan Fund business.
• Ability to drive for extended periods, both day and night.
• Ability to walk for extended periods on various terrains.
• Ability to lift at least five pounds.

Employment Details

• Location: Littleton, NH and hybrid (in office Tuesday and Wednesday Training will be in person)
• Salary: $70,000

Work Environment

We are a team of creative thinkers and problem solvers. We love creating new opportunities and solutions for our neighbors to succeed. The work environment characteristics described here are representative of those employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform essential functions.

While performing the duties of this job, the employee will be in an environment with a noise level that is usually moderate.

About New Hampshire Community Loan Fund

We believe in a Neighbors-Investing-in-Neighbors philosophy. Since 1983, we have provided people and communities with loans, coaching, and guidance that enables them to become economically secure.

From helping people purchase manufactured homes, to strengthening small businesses and nonprofits, and supporting entire towns as they work to secure financing, our services support the security and growth of people and communities. We focus on five areas of community development finance:

• Affordable Homes
• Resident-Owned Communities
• Small Businesses & Nonprofits
• Small Towns & Municipalities

Our neighbors-investing-in-neighbors model is aimed at building stronger, resilient, and more self-reliant communities, improving the lives of people throughout New Hampshire, and serving as a model across the US. We specialize in seven service areas:

• Manufactured-Home Loans 
• Manufactured-home Owners: Buy Your Park
• Resident-Owned Community Support
• Small Business and Nonprofit Loans
• Small Town and Municipal Grant Writing
• Affordable Housing Development Loans
• Energy Efficiency Solutions

If the description above is a good fit for your skills, abilities, and interests, we would love to hear from you! Please email us a resume with a cover letter. jobopening@communityloanfund.org