Financial Coach

Seeking to put God’s love into action, Indian River Habitat for Humanity develops housing solutions guided by the needs of its family partners and the community.

As an integral part of the Housing Solutions Team, the primary responsibility of the Financial Coach will help households become financially prepared to qualify for home ownership. The Certified Credit Counselor/Financial Coach will provide one on one financial counseling and coaching services to individuals and families seeking to improve their financial well-being. The ideal candidate will assist clients in managing debt, improving credit, creating sustainable budgets, and achieving financial goals such as home ownership, savings, and asset building.

The role is vital in promoting long-term financial stability through education, accountability, and personalized guidance.

• Provide accurate, relevant, and helpful information to assist individuals in developing solutions for money management, assist in credit-related issues, housing issues, and prepare future home buyers for lender readiness either on the open market or for Habitat’s Affordable Housing program.
• Remain educated on all market options for all housing trends (purchase and/or rentals) and refer qualified candidates that have completed the housing counseling program successfully to the appropriately identified market.
• Conduct in-depth financial assessments to evaluate credit reports, debt load, income, and expenses. Develop action plans tailored to clients’ unique financial situations and track progress over time. Follow up every 30-60 days.
• Stay connected with emergency housing organizations to be able to assist individuals needing immediate assistance prior to identification of rental and/or purchase options.
• Provide individualized counseling to help clients understand and improve their credit, manage debt, and establish achievable financial goals
• Prepare and maintain counseling files. Maintain accurate documentation of counseling sessions, progress notes, and required reporting in compliance with agency standards.
• Assist families with all applications for housing and make sure that all applications are complete, and all requirements are met prior to application to the Habitat Homebuyer Services Program.
• Assist families with the application process for other market options and afford them the same assistance to provide a complete packet to a lender or property management.
• Facilitate HUD first time homebuyer education workshops for Habitat future home buyers.
• Facilitate workshops and seminars on financial topics, including budgeting, credit building, savings, and debt management for families working with IRHFH.
• Assist clients with disputing credit inaccuracies, understanding credit scoring, and building a positive credit history.
• Refer clients to appropriate external resources, including housing counselors, legal aid, and public benefits when needed.
• Be available to help mentor and meet with selected future Habitat home buyers upon request to ensure they complete partnership requirements and remain eligible for the loan and remain on track for mortgage readiness.
• Uphold the highest standards of client confidentiality and professional ethics.
• Other duties as assigned.

Please note that this position description is designed to cover or contain a comprehensive listing of activities, duties or responsibilities required of the associate for this job. Duties, responsibilities, and activities may change at any time, with or without notice.

• Experience in mortgage services, banking, accounting, lending, or financial services is preferred.
• Must have a passion for working with numbers and helping solve…