POSITION PURPOSE:
The Financial Fitness Coordinator provides one-on-one financial coaching, group education, and formal financial courses to Family Self-Sufficiency (FSS) participants and other eligible clients. This role helps clients build long-term financial stability by assessing current financial conditions, developing personalized SMART goals, and providing accountability, education, and support. The coordinator also works directly with clients who have accumulated FSS escrow to prepare them for successful transition into the Housing Homeownership Program. All services are provided within the scope of financial coaching, not licensed financial advice.
ESSENTIAL FUNCTIONS:
The essential functions or duties listed below are intended only as illustrations of the various types of work that may be performed. The omission of specific statements of duties does not exclude them from the position if the work is similar, related, or a logical assignment to the position.
Financial Assessment & Goal Setting
1. Conduct comprehensive reviews of client financial situations including income, expenses, assets, debt, and credit.
2. Develop personalized, SMART (Specific, Measurable, Attainable, Realistic, Time-bound) financial goals with clients aligned with their FSS Individual Training and Services Plan (ITSP).
3. Assist clients in creating realistic budgets, tracking cash flow, and identifying opportunities to reduce spending and increase savings.
Education & Coaching
1. Design and teach formal financial education courses for FSS participants on topics including budgeting, credit building, banking, debt management, and preparing for homeownership.
2. Deliver financial literacy concepts through one-on-one sessions, workshops, webinars, and peer groups.
3. Provide resources and guidance on credit building, debt management, savings strategies, and effective budgeting
4. Help clients identify and overcome emotional triggers or behaviors that lead to poor financial decisions, focusing on action-based transformation.
Homeownership Preparation
1. Work directly with FSS clients who have accumulated escrow funds to assess readiness for the Housing Homeownership Program.
2. Provide targeted coaching on mortgage readiness including credit score requirements, debt-to-income ratios, down payment/closing cost planning, and escrow utilization.
3. Coordinate with the FSS case manager to ensure clients meet Homeownership Program qualifications and complete required pre-purchase education.
Accountability & Support
1. Maintain regular touchpoints with clients, often weekly or bi-weekly, to monitor progress and adjust plans as circumstances change.
2. Track client milestones, celebrate “small wins,” and provide motivation to sustain positive behavior change.
3. Document all client interactions, goals, and progress in program databases with timely, accurate case notes.
Debt & Credit Counseling
1. Guide clients in creating debt repayment plans and understanding credit reports and scores.
2. Provide coaching on credit report review, responsible credit use, and developing sustainable debt reduction plans that support clients’ FSS and homeownership goals.
3. Refer clients to appropriate community resources for credit counseling, legal aid, or benefits assistance when needs exceed coaching scope.
Program Collaboration & Compliance
1. Coordinate closely with FSS case managers and the GED Coordinator to ensure integrated service delivery for shared clients.
2. Participate in peer group meetings, community events, and outreach activities to promote financial fitness services.
3. Maintain strict confidentiality and adhere to ethical standards; provide coaching only and do not offer licensed investment, tax, or legal advice.
4. Prepare data for monthly, quarterly, and annual reports on client outcomes, workshop participation, and homeownership pipeline progress.
General Duties
1. Attend required training, staff development sessions, and meetings to enhance job performance.
2. Ensure effective communication and coordination with stakeholders, including property landlords, service providers, and public agencies.
3. Maintain confidentiality and adhere to BVCOG privacy laws and regulations.
4. Perform other related functions as assigned to support the mission and goals of the FSS program.
BEHAVIORAL COMPETENCIES:
This position requires the employee to exhibit the following behavioral skills:
- Commitment: Sets high standards of performance; pursues aggressive goals and works hard/smart to achieve them; strives for results and success; conveys a sense of urgency and brings issues to closure; and persists despite obstacles and opposition.
- Effective Communication: Ensures important information is passed to those who need to know; conveys necessary information clearly and effectively orally or in writing; demonstrates attention to, and conveys understanding of, the comments and questions of others; and listens effectively. Demonstrates the ability to develop audiovisual presentations to both internal and external audiences.
- Responsiveness and Accountability: Demonstrates a high level of conscientiousness; holds oneself personally responsible for one's own work; and does fair share of work
- Teamwork: Balances team and individual responsibilities; exhibits objectivity and openness to others' views; gives and welcomes feedback; contributes to building a positive team spirit; puts success of team above own interests; supports everyone's efforts to succeed; attends, supports, and participates in all team building exercises and events
CORE COMPETENCIES
- Financial Literacy: Solid understanding of personal finance principles including budgeting, saving, credit management, debt reduction, cash flow analysis, and homeownership readiness.
- Coaching & Interpersonal Skills: Strong ability to empathize, listen actively, and motivate clients toward positive behavior change in a non-judgmental environment.
- Instructional Ability: Skilled in designing and delivering financial education courses to adult learners in individual and group settings.
- Communication Skills: Effective verbal and written communication, including the ability to explain complex financial topics in simple, actionable terms.
- Analytical Ability: Capacity to evaluate financial data, create budgets, assess mortgage readiness, and generate actionable reports using spreadsheets or financial software.
- Data & Records Management: Demonstrated organizational skills with the ability to maintain accurate case documentation, track program participation, and prepare timely reports for BVCOG.
- Software Proficiency: Proficient in Microsoft Office Suite (Word, Excel, Outlook, PowerPoint) and experience using database systems for data entry, tracking, and reporting.
- Multitasking & Deadline Management: Skilled in assessing and prioritizing multiple tasks, projects, and demands with excellent problem-solving and organizational skills while meeting established deadlines.
- Cultural Competency & Conflict Resolution: Ability to work with diverse populations and apply sound decision-making and conflict resolution skills in individual and group settings.
- Professional Representation: Ability to consistently project a professional image when representing the program to participants, partners, and the community.
- Adaptability: Ability to work effectively in a fast-paced environment while maintaining attention to detail and program compliance.
- Ethical Standards: Ability to maintain strict confidentiality, build trust, and operate within the defined scope of coaching without providing licensed financial advice.
- Relationship Management: Builds safe, respectful, trust-based relationships that encourage client disclosure and long-term engagement.
MINIMUM QUALIFICATIONS:
Education, Training and Experience:
- Associate’s degree preferred; bachelor’s degree in finance, social work, education, or related field desired.
- At least one (1) year of experience in financial coaching, credit counseling, social services, case management, or adult education.
- Experience teaching adult learners or facilitating financial education courses preferred.
- Knowledge of homebuyer education and mortgage readiness requirements preferred.
- Certification as an Accredited Financial Counselor (AFC), Financial Fitness Coach, HUD Housing Counselor, or similar credential preferred or willingness to obtain within 12 months of hire.
- Bilingual speaker and writer in English and Spanish preferred.
- Must have successfully completed and passed the Ethics for Housing Professionals course by NAHRO or another nationally recognized approved trainer within 18 months of assuming position.
- Must have successfully completed and passed a Fair Housing and Reasonable Accommodation course by NAHRO or another nationally recognized approved trainer within 18 months of assuming position.
- Must complete a minimum of 24 hours of professional development training each year as part of this position.
License and Certifications:
- Valid Texas driver's license at the time of placement and reliable transportation.
- Must have the ability to earn certifications as required by assigned tasks.
SUPERVISION:
Reports directly to the Lead Outreach Self Sufficiency Program Coordinator and/or designee through supervisory channels. Ability to work independently and to assume responsibility for completion of complex workload without close supervision.
WORKING CONDITIONS AND PHYSICAL REQUIREMENTS:
The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job.
To perform this job successfully, the employee is frequently required to remain in a stationary position. Daily movements include sitting; standing; operating computers and other office equipment; moving about the office; and attending meetings. The employee must be able to
communicate via email and verbally via telephone. The employee must occasionally transport up to 25 pounds. Primary activities are conducted within a well-lit, climate-controlled office.
Occasional out-of-town trips may be required to attend special events and training sessions
Work week is Monday through Friday during normal business-type hours (8am-5pm). Weekend hours may be required during special events or projects.
ADA STATEMENT
In compliance with the Americans with Disabilities Act, BVCOG will make reasonable accommodation to the known disability of a qualified applicant or employee to enable people with disabilities to enjoy equal employment opportunities, if it would not impose an "undue hardship" on the operation of the employer's business.
ETHICS
As a public agency, BVCOG is committed to maintaining the highest of ethical standards. Applicants selected for employment are expected to perform work responsibilities with the highest degree of integrity, professionalism, and honesty, to merit the respect of our co-workers, clients, partners, vendors and the general public. Applicants selected for employment are also expected to serve the public with dedication, concern, courtesy, and responsiveness.
DISCLAIMER
I have read and understand the contents of this job description including all of the essential functions of the position. I agree to fulfill the functions outlined in this document. I also agree that this job description does not constitute an employment agreement between the employer and employee and is subject to change by the employer as the needs of the employer and requirements of the position change.
