Financial Coach/Housing Counselor


  • Position Title: Financial Coach/Housing Counselor
  • Program/Dept.: Economic Opportunity
  • Supervisor: Director of Economic Opportunity
  • Supervises: N/A
  • Status: Full Time/Non Exempt
  • Compensation: $18.00/hour


Hacienda CDC is a Latino Community Development Corporation that strengthens families by providing affordable housing, homeownership support, economic advancement and educational opportunity.


The Economic Opportunity Department at Hacienda CDC aims to improve and preserve the financial outlook, capability, and assets of the clientele we serve, including the pursuit of homeownership. The position of Financial Coach supports that work by engaging and motivating clients by providing high-quality, one-on-one financial coaching and housing counseling. The Financial Coach also supports Camino a Casa/Pre-Purchase Program, Foreclosure Prevention Program, and Hacienda Home Mortgage.


  • Conduct one-on-one counseling sessions for homeowners seeking assistance in pursuing homeownership.
  • Provide information and education to clients concerning (based on need) financial wellness, homeownership purchase, and various mortgage and down payment assistance programs.
  • Work with clients to complete a detailed financial assessment including but not limited to:
    • Money management- provide and create a budget or expense tracking mechanism, calculate household budget surpluses or deficits and ratios, explain housing ratios and affordability and discuss possible debt restructuring options.
    • Credit- pull, review and understand credit reports to assist client in reaching their financial goals.
    • Savings- discuss the importance of savings and develop a savings plan that includes emergency and other longer-term goals as necessary.
    • Educate clients on understanding various mortgage terms and terminology when purchasing a home.
    • Create individual action plans and provide ongoing support and follow up to help participating households reach their financial goal(s).
  • Coordinate referrals, follow-up, and inter-agency relations related to all counseling/coaching services.
  • Maintain comprehensive and confidential client records and statistics in an electronic database in accordance with HUD and OHCS, as well as comply with all City, State, Federal and funder requirements.
  • Follow and adhere to all aspects of the National Industry Standards for Homeownership Education and Counseling.
  • Coordinate and conduct workshops relating to homeownership as well as conduct or participate in other Hacienda sponsored group education or outreach efforts.
  • Support and participate in related outreach activities including but not limited to community fairs, neighborhood associations and presentations to community organizations.
  • Build, foster and maintain professional collaborations with other agencies and organizations active in obtaining and maintaining homeownership, including but not limited to lenders, realtors, attorneys, governmental housing agencies and local social service agencies.
  • Provide language‐appropriate counseling and translation as needed.
  • Ability to articulate the mission, objectives and programs of the organization and department.
  • Develop and maintain testimonials of program participants.
  • Qualify clients for other services:  Individual Development Accounts (IDAs), Down Payment Assistance Loans (DPALs).
  • Attend all mandatory trainings, including HUD continuing education courses.
  • Other duties as assigned.


Ability to perform the essential job duties with or without reasonable accommodation and without posing a direct threat to safety or health of employee or others. To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential duties.


Bachelor’s Degree with major course work in areas such as business, real estate, finance, planning, social work or education, plus 6 months of related office work experience.

    • OR Associates Degree with 2 years of related work experience in finance, economic development, social work, or client counseling.
    • OR 3 years of related work experience in lieu of degree


  • Ability to read financial documents such as bank statements and credit reports, as well as familiarity with analyzing and interpreting data from several sources.
  • Bilingual (Spanish) required.
  • Ability to compute basic financial calculations including front and back-end ratios.
  • Excellent oral and written communication skills.
  • Commitment to excellent customer service in fast-paced environment.
  • Able to develop mutually trusting and respectful relationship connections with individual clients
  • Ability to handle multiple tasks, work with minimal supervision, be creative and resourceful, self-motivated, able to meet deadlines and able to handle confidential information appropriately as required.
  • Function as a supportive team player; plan and cooperatively execute team projects
  • Create and maintain manual and computerized filing and record-keeping systems.
  • Individual must demonstrate a genuine interest and enthusiasm for community development and working with the Latino community, low-to-moderate income community, and others.
  • Demonstrated knowledge of social justice issues and the dynamics of social change; strong commitment to diversity, equity, and inclusion.
  • Must be available occasional evenings and Saturdays to lead trainings and facilitate community outreach


  • Must have excellent English verbal, written and oral communication skills, including a comfort with public speaking.
  • The ability to speak, write, and understand Spanish is required,


Job requires basic computer skills including MS Word, Excel, PowerPoint, Outlook.  Must be adept at using various applications including database (Outcome Tracker) , spreadsheet, report writing, online research, word processing, presentation creation/editing, communicate by e-mail and use scheduling software.


HUD Counseling Certificate required within 3 months of hire.


Position is sometimes sedentary, but also requires mobility to client and partner sites and office headquarters; dexterity necessary to operate a computer with substantial repetitive motion of wrists, hands, and/or fingers; the ability to lift up to 20 pounds occasionally; the visual acuity to read and prepare/analyze data and figures; ability to express/exchange ideas by means of the spoken word; perceive the nature of sounds at normal speaking levels with or without correction; majority of work performed indoors.

Work Environment

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

This job operates in a professional office environment. This role routinely uses standard office equipment such as computers, phones, photocopiers, filing cabinets and fax machines. The noise level in the work environment is usually quiet to moderate.

Note:This job description is intended as a guideline only and does not limit in any way the duties or responsibilities of any employee. Nothing herein shall be construed as a contract of employment, expressed or implied.  All employment is terminable at will, with or without cause.

Hacienda CDC is an equal opportunity employer!