[{"data":1,"prerenderedAt":518},["ShallowReactive",2],{"document-loan-counselor-job-description-D11674":3},{"document":4,"label":23,"preview":11,"thumb":24,"description":5,"descriptionCustom":6,"apiDescription":5,"pages":8,"extension":10,"parents":25,"breadcrumb":29,"related":33,"customDescModule":174,"customdescription":6,"mdFm":175,"mdProseHtml":517},{"description":5,"descriptionCustom":6,"label":7,"pages":8,"size":9,"extension":10,"preview":11,"thumb":12,"svgFrame":13,"seoMetadata":14,"parents":16,"keywords":15},"JOB DESCRIPTION LOAN COUNSELOR Brief description The position of loan counsellor consists of providing guidance to prospective loan applicants who have problems qualifying for traditional loans. It also consists of determining the best type of loan and explaining loan requirements or restrictions. Tasks",null,"Loan Counselor Job Description","2",513,"doc","https://templates.business-in-a-box.com/imgs/1000px/loan-counselor-job-description-D11674.png","https://templates.business-in-a-box.com/imgs/250px/11674.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#11674.xml",{"title":15,"description":6},"loan counselor job description",[17,20],{"label":18,"url":19},"Human Resources","/templates/human-resources/",{"label":21,"url":22},"Job Descriptions","/templates/job-descriptions/","Loan Counselor Job Description Template","https://templates.business-in-a-box.com/imgs/400px/11674.png",[26,17,20],{"label":27,"url":28},"Templates","/templates/",[30,31,32],{"label":27,"url":28},{"label":18,"url":19},{"label":21,"url":22},[34,38,42,46,50,54,58,62,66,70,74,78,82,101,114,129,144,160],{"label":35,"url":36,"thumb":37,"extension":10},"Barista Job Description","/template/barista-job-description-D13535","https://templates.business-in-a-box.com/imgs/250px/13535.png",{"label":39,"url":40,"thumb":41,"extension":10},"CEO Job Description","/template/ceo-job-description-D13536","https://templates.business-in-a-box.com/imgs/250px/13536.png",{"label":43,"url":44,"thumb":45,"extension":10},"Housekeeper Job Description","/template/housekeeper-job-description-D13548","https://templates.business-in-a-box.com/imgs/250px/13548.png",{"label":47,"url":48,"thumb":49,"extension":10},"Recruiter Job Description","/template/recruiter-job-description-D13572","https://templates.business-in-a-box.com/imgs/250px/13572.png",{"label":51,"url":52,"thumb":53,"extension":10},"Paralegal Job Description","/template/paralegal-job-description-D13562","https://templates.business-in-a-box.com/imgs/250px/13562.png",{"label":55,"url":56,"thumb":57,"extension":10},"Server Job Description","/template/server-job-description-D13574","https://templates.business-in-a-box.com/imgs/250px/13574.png",{"label":59,"url":60,"thumb":61,"extension":10},"Underwriter Job Description","/template/underwriter-job-description-D13578","https://templates.business-in-a-box.com/imgs/250px/13578.png",{"label":63,"url":64,"thumb":65,"extension":10},"Videographer Job Description","/template/videographer-job-description-D13579","https://templates.business-in-a-box.com/imgs/250px/13579.png",{"label":67,"url":68,"thumb":69,"extension":10},"Webmaster Job Description","/template/webmaster-job-description-D13582","https://templates.business-in-a-box.com/imgs/250px/13582.png",{"label":71,"url":72,"thumb":73,"extension":10},"Account Manager Job Description","/template/account-manager-job-description-D13506","https://templates.business-in-a-box.com/imgs/250px/13506.png",{"label":75,"url":76,"thumb":77,"extension":10},"Business Analyst Job Description","/template/business-analyst-job-description-D13508","https://templates.business-in-a-box.com/imgs/250px/13508.png",{"label":79,"url":80,"thumb":81,"extension":10},"Chief Of Staff Job Description","/template/chief-of-staff-job-description-D13483","https://templates.business-in-a-box.com/imgs/250px/13483.png",{"description":83,"descriptionCustom":6,"label":84,"pages":85,"size":9,"extension":10,"preview":86,"thumb":87,"svgFrame":88,"seoMetadata":89,"parents":91,"keywords":90,"url":100},"EMPLOYMENT AGREEMENT - AT WILL EMPLOYEE This Employment Agreement for \"At Will\" Employee (the \"Agreement\") is made and effective this [DATE], BETWEEN: [EMPLOYEE NAME] (the \"Employee\"), an individual with his main address at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Corporation\"), an entity organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] RECITALS In consideration of the covenants and agreements herein contained and the moneys to be paid hereunder, the Corporation hereby employs the Employee and the Employee hereby agrees to perform services as an employee of the Corporation, on an \"at will\" basis, upon the following terms and conditions: APPOINTMENT The Employee is hereby employed by the Corporation to render such services and to perform such tasks as may be assigned by the Corporation. The Corporation may, in its sole discretion, increase or reduce the duties, or modify the title and job description, of the Employee from time to time, and any such increase, reduction or modification shall not be deemed a termination of this Agreement. ACCEPTANCE OF EMPLOYMENT Employee accepts employment with the Corporation upon the terms set forth above and agrees to devote all Employee's time, energy and ability to the interests of the Corporation, and to perform Employee's duties in an efficient, trustworthy and business-like manner. DEVOTION OF TIME TO EMPLOYMENT The Employee shall devote the Employee's best efforts and substantially all of the Employee's working time to performing the duties on behalf of the Corporation. The Employee shall provide services during the hours that are scheduled by the Corporation management. The Employee shall be prompt in reporting to work at the assigned time. NO CONFLICT OF INTEREST Employee shall not engage in any other business while employed by the Corporation. Employee shall not engage in any activity that conflicts with the Employees duties to the Corporation. Employee shall not provide any service or lend any aid or assistance to any party that competes with the services offered by the Corporation. Employee shall not provide any services to clients or prospective clients of the Corporation outside of the provision of services for the Corporation, whether such services are provided with or without compensation or remuneration. CORPORATION PROPERTY Employee acknowledges and agrees that while employed by the Corporation the Employee may be provided with use of computer equipment and other property of the Corporation. The use and possession of the such items shall be subject to any policies, requirements or restrictions established by the Corporation. Such items may only be used in performance of the Employee's duties for the corporation. On request of the Corporation, the Employee shall immediately deliver any such items to the Corporation. Upon termination of employment, Employee shall have the affirmative duty to return any such item to the Corporation whether a request is made or not. The obligation to return Corporation property shall extend and include any and all work product, client property, proprietary rights, intangible property, and all other property of the corporation regardless of the form or medium. COMPENSATION The Corporation shall pay the Employee such hourly compensation as determined by the Corporation. Payment shall be at the same time as the Corporations usual payroll to other employees. BONUS & BENEFITS Payment of any bonuses shall be at the complete discretion of the Corporation. No guarantee or representation that any bonuses will be paid has been made to the Employee. Standard benefits that are provided to other non-management employees shall be offered to the Employee, subject to the Corporation's policies and the terms and conditions of such benefits. WITHHOLDING All sums payable to Employee under this Agreement will be reduced by all federal, state, local, and other withholdings and similar taxes and payments required by applicable law. QUALIFICATIONS OF EMPLOYEE The employee shall satisfy all of the qualification that are established by the Corporation. TERM OF AGREEMENT There shall be no guaranteed term of employment. Employer acknowledges and agrees that Employee shall be an \"At Will\" Employee and that Employee's employment may be terminated at any time by the Corporation, with or without cause. FEES FROM EMPLOYEE'S WORK The Corporation shall have exclusive authority to determine the fees, or a procedure for establishing the fees, to be charged to clients by the Corporation for services that are provided by the Employee. All sums paid to the Employee or the Corporation in the way of fees, in cash or in kind, or otherwise for services of the Employee, shall, except as otherwise specifically agreed by the Corporation, be and remain the property of the Corporation and shall be included in the Corporation's name in such checking account or accounts as the Corporation may from time to time designate. CLIENTS AND CLIENT RECORDS The Corporation shall have the authority to determine who will be accepted as clients of the Corporation, and the Employee recognizes that such clients accepted are clients of the Corporation and not the Employee. All client records and files of any type concerning clients of the Corporation shall belong to and remain the property of the Corporation, notwithstanding the subsequent termination of the employment. POLICIES AND PROCEDURES The Corporation shall have the authority to establish from time to time the policies and procedures to be followed by the Employee in performing services for the Corporation. This may include, but is not necessarily limited to, employment policies, computer use policies, Internet access policies, email policies, and all other policies, procedures, directives, and mandates established by the Corporation, whether or not in written form or formally adopted. Employee shall abide by the provisions of any contract entered into by the Corporation under which the Employee provides services. Employee shall comply with the terms and conditions of any and all contracts entered by the Corporation. TERMINATION Employee acknowledges and agrees that Employee is an \"at will\" employee of the Corporation. As such, no term of employment is created hereby and employee may be terminated at any time in the sole discretion of the Corporation, whether there exists any cause for termination or not. CREATIONS AND INVENTIONS Employee acknowledges and agrees that any and all work product of the Employee that is conceived or created during the Employee's employment with the Corporation is the exclusive property of the Corporation. This shall include any and all copyrights, trade secrets, confidential information, patents, trademarks, trade dress, ideas, concepts, plans, business plans, business concepts, techniques, inventions, drawings, artwork, logos, graphics, web pages, databases, software, programs, CGI's, plug ins, applications, brochures, inventions, marketing plans and concepts, and all other ideas and work product of the Employee. The Employee acknowledges and agrees that all creations shall be \"works made for hire\" as defined in the [ACT OR CODE]. Notwithstanding the fact that this material may be considered to be a work made for hire, Employee agrees, during Employee's employment and thereafter, which covenant shall survive any termination of the employment relationship, to execute any and all documents requested by the Corporation to confirm the Corporation's ownership and control of all such material, including but not limited to assignments of copyright, confirmations of work for hire status, waivers of proprietary rights, copyright application, and any other documents requested by Corporation. RESTRICTIVE COVENANTS","Employment Agreement_At Will Employee","7","https://templates.business-in-a-box.com/imgs/1000px/employment-agreement_at-will-employee-D541.png","https://templates.business-in-a-box.com/imgs/250px/541.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#541.xml",{"title":90,"description":6},"employment agreement_at will employee",[92,94,97],{"label":18,"url":93},"human-resources",{"label":95,"url":96},"Hire an Employee","hire-employee",{"label":98,"url":99},"Legal Agreements","business-legal-agreements","/template/employment-agreement_at-will-employee-D541",{"description":102,"descriptionCustom":6,"label":103,"pages":104,"size":9,"extension":10,"preview":105,"thumb":106,"svgFrame":107,"seoMetadata":108,"parents":110,"keywords":109,"url":113},"[DATE] [CONTACT NAME] [ADDRESS] [ADDRESS 2] [CITY, STATE/PROVINCE] [ZIP/POSTAL CODE] SUBJECT: JOB OFFER FOR [DESCRIBE] Dear [CANDIDATE NAME]: Congratulations! [Company name] is excited to offer you the position of [job title] with an expected start date of [day, month, year] at a starting salary of [dollar amount] per [hour, year, etc.]. You can expect to receive payment [weekly, biweekly, monthly, etc.], starting on [date of first pay period]. We must wrap up a few more formalities, including the successful completion of your [background check, drug screening, reference check, etc.]. As the [job title], you will report to [manager/supervisor name and title] at [workplace location] from [hours of day, days of week]","Job Offer Letter Long","1","https://templates.business-in-a-box.com/imgs/1000px/job-offer-letter-long-D12769.png","https://templates.business-in-a-box.com/imgs/250px/12769.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12769.xml",{"title":109,"description":6},"job offer letter long",[111,112],{"label":18,"url":93},{"label":95,"url":96},"/template/job-offer-letter-long-D12769",{"description":115,"descriptionCustom":6,"label":116,"pages":117,"size":118,"extension":10,"preview":119,"thumb":120,"svgFrame":121,"seoMetadata":122,"parents":123,"keywords":127,"url":128},"INDEPENDENT CONTRACTOR AGREEMENT This Independent Contractor Agreement (\"Agreement\") is made and effective [Date], BETWEEN: [INDEPENDENT CONTRACTOR NAME] (the \"Independent Contractor\"), a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] AND: [YOUR COMPANY NAME] (the \"Company\"), a company organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] RECITALS Independent Contractor is engaged in providing [Describe] business services, its Employer Tax I.D. Number is [Insert], and its Business License Number is [insert]. Independent Contractor has complied with all Federal, State, and local laws regarding business permits, sales permits, licenses, reporting requirements, tax withholding requirements, and other legal requirements of any kind that may be required to carry out said business and the Scope of Work which is to be performed as an Independent Contractor pursuant to this Agreement. Independent Contractor is or remains open to conducting similar tasks or activities for clients other than the Company and holds themselves out to the public to be a separate business entity. Company desires to engage and contract for the services of the Independent Contractor to perform certain tasks as set forth below. Independent Contractor desires to enter into this Agreement and perform as an independent contractor for the company and is willing to do so on the terms and conditions set forth below. NOW, THEREFORE, in consideration of the above recitals and the mutual promises and conditions contained in this Agreement, the Parties agree as follows: TERMS This Agreement shall be effective commencing [Date], and shall continue until terminated at the completion of the Scope of Work which shall occur no later than [Date] or by either party as otherwise provided herein. STATUS OF INDEPENDENT CONTRACTOR This Agreement does not constitute a hiring by either party. It is the parties intentions that Independent Contractor shall have an independent contractor status and not be an employee for any purposes, including, but not limited to, [laws]. Independent Contractor shall retain sole and absolute discretion in the manner and means of carrying out their activities and responsibilities under this Agreement. This Agreement shall not be considered or construed to be a partnership or joint venture, and the Company shall not be liable for any obligations incurred by Independent Contractor unless specifically authorized in writing. Independent Contractor shall not act as an agent of the Company, ostensibly or otherwise, nor bind the Company in any manner, unless specifically authorized to do so in writing. TASKS, DUTIES, AND SCOPE OF WORK Independent Contractor agrees to devote as much time, attention, and energy as necessary to complete or achieve the following: [Describe]. The above to be referred to in this Agreement as the \"Scope of Work\". It is expected that the Scope of Work will completed by [Date]. Independent Contractor shall additionally perform any and all tasks and duties associated with the Scope of Work set forth above, including but not limited to, work being performed already or related change orders. Independent Contractor shall not be entitled to engage in any activities which are not expressly set forth by this Agreement. The books and records related to the Scope of Work set forth in this Agreement shall be maintained by the Independent Contractor at the Independent Contractor's principal place of business and open to inspection by Company during regular working hours. Documents to which Company will be entitled to inspect include, but are not limited to, any and all contract documents, change orders/purchase orders and work authorized by Independent Contractor or Company on existing or potential projects related to this Agreement. Independent Contractor shall be responsible to the management and directors of Company, but Independent Contractor will not be required to follow or establish a regular or daily work schedule. Supply all necessary equipment, materials and supplies. Independent Contractor will not rely on the equipment or offices of Company for completion of tasks and duties set forth pursuant to this Agreement. Any advice given Independent Contractors regarding the scope of work shall be considered a suggestion only, not an instruction. Company retains the right to inspect, stop, or alter the work of Independent Contractor to assure its conformity with this Agreement. ASSURANCE OF SERVICES Independent Contractor will assure that the following individuals (the \"Key Employees\") will be available to perform, and will perform, the Services hereunder until they are completed (identify by title and name as applicable): [Name of Key Employee, Title] [Name of Key Employee, Title] The Key Employees may be changed only with the prior written approval of the Company, which approval shall not be unreasonably withheld. COMPENSATION Independent Contractor shall be entitled to compensation for performing those tasks and duties related to the Scope of Work as follows: [Describe] Such compensation shall become due and payable to Independent Contractor in the following time, place, and manner: [Describe] NOTICE CONCERNING WITHHOLDING OF TAXES Independent Contractor recognizes and understands that it will receive a [specify tax] statement and related tax statements, and will be required to file corporate and/or individual tax returns and to pay taxes in accordance with all provisions of applicable Federal and State law. Independent Contractor hereby promises and agrees to indemnify the Company for any damages or expenses, including attorney's fees, and legal expenses, incurred by the Company as a result of independent contractor's failure to make such required payments. AGREEMENT TO WAIVE RIGHTS TO BENEFITS Independent Contractor hereby waives and foregoes the right to receive any benefits given by Company to its regular employees, including, but not limited to, health benefits, vacation and sick leave benefits, profit sharing plans, etc. This waiver is applicable to all non-salary benefits which might otherwise be found to accrue to the Independent Contractor by virtue of their services to Company, and is effective for the entire duration of Independent Contractor's agreement with Company. This waiver is effective independently of Independent Contractor's employment status as adjudged for taxation purposes or for any other purpose. Neither this Agreement, nor any duties or obligations under this Agreement may be assigned by either party without the consent of the other. TERMINATION This Agreement may be terminated prior to the completion or achievement of the Scope of Work by either party giving [number] days written notice. Such termination shall not prejudice any other remedy to which the terminating party may be entitled, either by law, in equity, or under this Agreement. NON-DISCLOSURE OF TRADE SECRETS, CUSTOMER LISTS AND OTHER PROPRIETARY INFORMATION Independent Contractor agrees not to disclose or communicate, in any manner, either during or after Independent Contractor's agreement with Company, information about Company, its operations, clientele, or any other information, that relate to the business of Company including, but not limited to, the names of its customers, its marketing strategies, operations, or any other information of any kind which would be deemed confidential, a trade secret, a customer list, or other form of proprietary information of Company. Independent Contractor acknowledges that the above information is material and confidential and that it affects the profitability of Company. ","Independent Contractor Agreement","6",62,"https://templates.business-in-a-box.com/imgs/1000px/independent-contractor-agreement-D160.png","https://templates.business-in-a-box.com/imgs/250px/160.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#160.xml",{"title":6,"description":6},[124],{"label":125,"url":126},"Consultant & Contractors","consulting-contractor-business","independent contractor agreement","/template/independent-contractor-agreement-D160",{"description":130,"descriptionCustom":6,"label":131,"pages":132,"size":9,"extension":10,"preview":133,"thumb":134,"svgFrame":135,"seoMetadata":136,"parents":138,"keywords":137,"url":143},"NON-DISCLOSURE AGREEMENT (NDA) This Non-Disclosure Agreement (the \"Agreement\") is made and effective [DATE], BETWEEN: [YOUR COMPANY NAME] (the \"Disclosing Party\"), a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [YOUR COMPLETE ADDRESS] AND: [RECEIVING PARTY NAME] (the \"Receiving Party\"), an individual with his main address located at OR a corporation organized and existing under the laws of the [State/Province] of [STATE/PROVINCE], with its head office located at: [COMPLETE ADDRESS] WHEREAS, Receiving Party has been or will be engaged in the performance of work on [DESCRIBE]; and in connection therewith will be given access to certain confidential and proprietary information; and WHEREAS, Receiving Party and Disclosing Party wish to evidence by this Agreement the manner in which said confidential and proprietary material will be treated. NOW, THEREFORE, it is agreed as follows: NON-DISCLOSURE OF CONFIDENTIAL INFORMATION Both Parties understand and agree that each Party may have access to the confidential information of the other party. For the purposes of this Agreement, \"Confidential Information\" means proprietary and confidential information about the Disclosing Party's (or it's suppliers') business or activities. Such information includes all business, financial, technical, and other information marked or designated by such Party as \"confidential\" or \"proprietary.\" Confidential Information also includes information which, by the nature of the circumstances surrounding the disclosure, ought in good faith to be treated as confidential. For the purposes of this Agreement, Confidential Information does not include: Information that is currently in the public domain or that enters the public domain after the signing of this Agreement. Information a Party lawfully receives from a third Party without restriction on disclosure and without breach of a non-disclosure obligation. Information that the Receiving Party knew prior to receiving any Confidential Information from the Disclosing Party. Information that the Receiving Party independently develops without reliance on any Confidential Information from the Disclosing Party. Each Party agrees that it will not disclose to any third Party or use any Confidential Information disclosed to it by the other Party except when expressly permitted in writing by the other Party. Each Party also agrees that it will take all reasonable measures to maintain the confidentiality of all Confidential Information of the other Party in its possession or control. TERM The term of this Agreement is [number] of [years/months] from the date of execution by both Parties. TITLE The Receiving Party agrees that all Confidential Information furnished by the Disclosing Party shall remain the sole property of the Disclosing Party. DISCLAIMER","Non Disclosure Agreement Nda","3","https://templates.business-in-a-box.com/imgs/1000px/non-disclosure-agreement-nda-D12692.png","https://templates.business-in-a-box.com/imgs/250px/12692.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#12692.xml",{"title":137,"description":6},"non disclosure agreement nda",[139,140],{"label":98,"url":99},{"label":141,"url":142},"Confidentiality Agreements","confidentiality-agreement","/template/non-disclosure-agreement-nda-D12692",{"description":145,"descriptionCustom":6,"label":146,"pages":147,"size":148,"extension":10,"preview":149,"thumb":150,"svgFrame":151,"seoMetadata":152,"parents":153,"keywords":158,"url":159},"Employee Handbook Understanding employment at [YOUR COMPANY NAME] Revised on [DATE] Prepared By: [YOUR NAME] [YOUR JOB TITLE] Phone 555.555.5555 Email info@yourbusiness.com www.yourbusiness.com Table of Content Table of Content 2 Welcome to [YOUR COMPANY NAME]! 5 1. Organization Description 6 1.1 Introductory Statement 6 1.2 Customer Relations 6 1.3 Products and Services Provided 7 1.4 Facilities and Location(s) 7 1.5 The History of [YOUR COMPANY NAME] 7 1.6 Management Philosophy 7 1.7 Goals 8 2. The Employment 9 2.1 Nature of Employment 9 2.2 Employee Relations 9 2.3 Equal Employment Opportunity 10 2.4 Diversity 10 2.5 Business Ethics and Conduct 12 2.6 Personal Relationships in the Workplace 13 2.7 Conflicts of Interest 13 2.8 Outside Employment 14 2.9 Non-Disclosure 15 2.10 Disability Accommodation 16 2.11 Job Posting and Employee Referrals 17 2.12 Whistleblower Policy 18 2.13 Accident and First Aid 20 3. Employment Status and Records 21 3.1 Employment Categories 21 3.2 Access to Personnel Files 22 3.3 Personnel Data Changes 23 3.4 Probation Period 23 3.5 Employment Applications 24 3.6 Performance Evaluation 24 3.7 Job Descriptions 25 3.8 Salary Administration 25 3.9 Professional Development 26 4. Employee Benefit Programs 27 4.1 Employee Benefits 27 4.2 Vacation Benefits 27 4.3 Military Service Leave 29 4.4 Religious Observance 29 4.5 Holidays 29 4.6 Workers Insurance 30 4.7 Sick Leave Benefits 31 4.8 Bereavement Leave 32 4.9 Relocation Benefits 33 4.10 Educational Assistance 33 4.11 Health Insurance 34 4.12 Life Insurance 35 4.13 Long Term Disability 35 4.14 Marriage, Maternity and Parental Leave 36 5. Timekeeping / Payroll 40 5.1 Timekeeping 40 5.2 Paydays 40 5.3 Employment Termination 41 5.4 Administrative Pay Corrections 42 6. Work Conditions and Hours 43 6.1 Work Schedules 43 6.2 Absences 43 6.3 Jury Duty 45 6.4 Use of Phone and Mail Systems 45 6.5 Smoking 46 6.6 Meal Periods 46 6.7 Overtime 46 6.8 Use of Equipment 47 6.9 Telecommuting 47 6.10 Emergency Closing 48 6.11 Business Travel Expenses 49 6.12 Visitors in the Workplace 51 6.13 Computer and Email Usage 51 6.14 Internet Usage 52 6.15 Workplace Monitoring 54 6.16 Workplace Violence Prevention 55 7. Employee Conduct & Disciplinary Action 57 7.1 Employee Conduct and Work Rules 57 7.2 Sexual and Other Unlawful Harassment 58 7.3 Attendance and Punctuality 60 7.4 Personal Appearance 60 7.5 Return of Property 61 7.6 Resignation and Retirement 61 7.7 Security Inspections 62 7.8 Progressive Discipline 62 7.9 Problem Resolution 64 7.10 Workplace Etiquette 65 7.11 Suggestion Program 67 Acknowledgement of Receipt 68 Welcome to [YOUR COMPANY NAME]! On behalf of your colleagues, we welcome you to [YOUR COMPANY NAME] and wish you every success here. At [YOUR COMPANY NAME], we believe that each employee contributes directly to the growth and success of the company, and we hope you will take pride in being a member of our team. This handbook was developed to describe some of the expectations of our employees and to outline the policies, programs, and benefits available to eligible employees. Employees should become familiar with the contents of the employee handbook as soon as possible, for it will answer many questions about employment with [YOUR COMPANY NAME]. We believe that professional relationships are easier when all employees are aware of the culture and values of the organization. This guide will help you to better understand our vision for the future of our business and the challenges that are ahead. We hope that your experience here will be challenging, enjoyable, and rewarding. Again, welcome! [PRESIDENT NAME] President & CEO 1. Organization Description 1.1 Introductory Statement This handbook is designed to acquaint you with [YOUR COMPANY NAME] and provide you with information about working conditions, employee benefits, and some of the policies affecting your employment. You should read, understand, and comply with all provisions of the handbook. It describes many of your responsibilities as an employee and outlines the programs developed by [YOUR COMPANY NAME] to benefit employees. One of our objectives is to provide a work environment that is conducive to both personal and professional growth. No employee handbook can anticipate every circumstance or question about policy. As [YOUR COMPANY NAME] continues to grow, the need may arise and [YOUR COMPANY NAME] reserves the right to revise, supplement, or rescind any policies or portion of the handbook from time to time as it deems appropriate, in its sole and absolute discretion. Employees will be notified of such changes to the handbook as they occur. 1.2 Customer Relations Customers are among our organization's most valuable assets. Every employee represents [YOUR COMPANY NAME] to our customers and the public. The way we do our jobs presents an image of our entire organization. Customers judge all of us by how they are treated with each employee contact. Therefore, one of our first business priorities is to assist any customer or potential customer. Nothing is more important than being courteous, friendly, helpful, and prompt in the attention you give to customers. [YOUR COMPANY NAME] will provide customer relations and services training to all employees with extensive customer contact. Customers who wish to lodge specific comments or complaints should be directed to the [TITLE AND NAME OF THE PERSON RESPONSIBLE] for appropriate action. Our personal contact with the public, our manners on the telephone, and the communications we send to customers are a reflection not only of ourselves, but also of the professionalism of [YOUR COMPANY NAME]. Positive customer relations not only enhance the public's perception or image of [YOUR COMPANY NAME], but also pay off in greater customer loyalty and increased sales and profit. 1.3 Products and Services Provided You will find more information about our products and services by reading the [YOUR COMPANY NAME] Corporate Brochures. 1.4 Facilities and Location(s) Head Office: [ADDRESS] [CITY], [STATE] [ZIP/POSTAL CODE] [COUNTRY] 1.5 The History of [YOUR COMPANY NAME] [DESCRIBE THE HISTORY OF YOUR COMPANY HERE] 1.6 Management Philosophy [YOUR COMPANY NAME] management philosophy is based on responsibility and mutual respect. Our wishes are to maintain a work environment that fosters on personal and professional growth for all employees. Maintaining such an environment is the responsibility of every staff person. Because of their role, managers and supervisors have the additional responsibility to lead in a manner which fosters an environment of respect for each person. People who come to [YOUR COMPANY NAME] want to work here because we have created an environment that encourages creativity and achievement. [YOUR COMPANY NAME] aims to become a leader in [DESCRIBE YOUR COMPANY'S FIELD OF EXPERTISE]. The mainstay of our strategy will be to offer a level of client focus that is superior to that offered by our competitors. To help achieve this objective, [YOUR COMPANY NAME] seeks to attract highly motivated individuals that want to work as a team and share in the commitment, responsibility, risk taking, and discipline required to achieve our vision. Part of attracting these special individuals will be to build a culture that promotes both uniqueness and a bias for action. While we will be realistic in setting goals and expectations, [YOUR COMPANY NAME] will also be aggressive in reaching its objectives. This success will in turn enable [YOUR COMPANY NAME] to give its employees above average compensation and innovative benefits or rewards, key elements in helping us maintain our leadership position in the worldwide marketplace. 1.7 Goals [DESCRIBE YOUR COMPANY'S GOALS HERE] 2. The Employment 2","Employee Handbook","34",280,"https://templates.business-in-a-box.com/imgs/1000px/employee-handbook-D712.png","https://templates.business-in-a-box.com/imgs/250px/712.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#712.xml",{"title":6,"description":6},[154,155],{"label":18,"url":93},{"label":156,"url":157},"Company Policies","company-policies","employee handbook","/template/employee-handbook-D712",{"description":161,"descriptionCustom":6,"label":162,"pages":8,"size":9,"extension":10,"preview":163,"thumb":164,"svgFrame":165,"seoMetadata":166,"parents":168,"keywords":167,"url":173},"[DATE] [CONTACT NAME] [ADDRESS] [ADDRESS 2] [CITY, STATE/PROVINCE] [ZIP/POSTAL CODE] SUBJECT: Termination of your employment Dear [Contact name], We regret to inform you that your employment with [YOUR COMPANY NAME] is terminated effective upon receipt of this letter for the following reason(s): [DETAIL REASONS] [DETAIL REASONS] [DETAIL REASONS] Please vacate the premises immediately with your personal possessions. We will forward your salary earned to date in due course together with any vacation pay to which you are entitled. Within [NUMBER] days of termination we shall issue you a statement of accrued benefits. Any insurance benefits shall continue in accordance with applicable law and/or provisions of our personnel policy. Please contact [Name], at your earliest convenience, who will explain each of these items and arrange with you for the return of any company property. Sincerely, [YOUR NAME] [YOUR TITLE] [YOUR PHONE NUMBER] [YOUREMAIL@YOURCOMPANY.COM] [IF SENT BY EMAIL YOU MAY INCLUDE THIS NOTICE]","Employee Dismissal Letter","https://templates.business-in-a-box.com/imgs/1000px/employee-dismissal-letter-D508.png","https://templates.business-in-a-box.com/imgs/250px/508.png","https://templates.business-in-a-box.com/svgs/docviewerWebApp1.html?v6#508.xml",{"title":167,"description":6},"employee dismissal letter",[169,170],{"label":18,"url":93},{"label":171,"url":172},"Employee Termination","employee-termination","/template/employee-dismissal-letter-D508",false,{"seo":176,"reviewer":188,"legal_disclaimer":192,"quick_facts":193,"at_a_glance":195,"personas":199,"variants":223,"glossary":248,"clauses":282,"how_to_fill":333,"common_mistakes":374,"faqs":399,"industries":427,"comparisons":444,"diy_vs_lawyer":460,"jurisdictions":473,"related_template_ids_curated":494,"schema":504,"classification":505},{"meta_title":177,"meta_description":178,"primary_keyword":15,"secondary_keywords":179},"Loan Counselor Job Description Template | BIB","Free loan counselor job description template for banks, credit unions, and lending firms.",[180,181,182,183,184,185,186,187],"loan counselor job description template","loan counselor duties and responsibilities","loan counselor job description word","mortgage counselor job description","financial counselor job description template","loan officer job description template","credit counselor job description","lending job description template",{"name":189,"credential":190,"reviewed_date":191},"Bruno Goulet","CEO, Business in a Box","2026-05-02",true,{"difficulty":194,"legal_review_recommended":192,"signature_required":192,"notarization_required":174},"medium",{"what_it_is":196,"when_you_need_it":197,"whats_inside":198},"A Loan Counselor Job Description is a formal document that defines the scope of employment for a loan counselor role — covering duties, required qualifications, licensing obligations, reporting structure, and performance expectations. This free Word download gives lending institutions, banks, and credit unions a structured, compliance-aware starting point they can edit online and export as PDF for onboarding and regulatory recordkeeping.\n","Use it when hiring a new loan counselor, restructuring an existing role, or formalizing undocumented responsibilities to satisfy auditor, regulator, or HR department requirements. Lenders subject to federal or state examination benefit from having written role definitions on file.\n","Role summary and reporting structure, core duties and client-facing responsibilities, licensing and compliance requirements, required and preferred qualifications, performance metrics, and confidentiality and data-handling obligations.\n",[200,204,208,212,216,219],{"title":201,"use_case":202,"icon_asset_id":203},"Bank HR managers","Standardizing loan counselor role definitions across branches for consistent hiring","persona-hr-manager",{"title":205,"use_case":206,"icon_asset_id":207},"Credit union administrators","Documenting member-facing lending roles to satisfy NCUA examination requirements","persona-small-business-owner",{"title":209,"use_case":210,"icon_asset_id":211},"Mortgage company owners","Formalizing counselor duties before onboarding licensed mortgage professionals","persona-startup-founder",{"title":213,"use_case":214,"icon_asset_id":215},"Nonprofit housing counseling agencies","Meeting HUD-approved agency standards by defining counselor scope in writing","persona-nonprofit-exec",{"title":217,"use_case":218,"icon_asset_id":211},"Fintech lending startups","Creating compliant job descriptions for consumer-facing loan advisory roles",{"title":220,"use_case":221,"icon_asset_id":222},"Operations directors at regional banks","Replacing informal role assignments with documented, auditable job definitions","persona-operations-director",[224,228,232,235,238,241,245],{"situation":225,"recommended_template":226,"slug":227},"Hiring a licensed mortgage loan officer for residential origination","Mortgage Loan Officer Job Description","compliance-officer-job-description-D13539",{"situation":229,"recommended_template":230,"slug":231},"Defining a role focused on consumer debt management and credit education","Credit Counselor Job Description","loan-counselor-job-description-D11674",{"situation":233,"recommended_template":234,"slug":231},"Hiring for a HUD-certified housing counseling program","Housing Counselor Job Description",{"situation":236,"recommended_template":237,"slug":227},"Staffing a small business lending advisory role","Business Loan Officer Job Description",{"situation":239,"recommended_template":240,"slug":231},"Documenting a student loan advising position at a university","Student Loan Counselor Job Description",{"situation":242,"recommended_template":243,"slug":244},"Formalizing a collections and loan recovery advisory role","Loan Collection Specialist Job Description","marketing-specialist-job-description-D13559",{"situation":246,"recommended_template":247,"slug":231},"Defining a remote or hybrid consumer lending advisory position","Remote Loan Counselor Job Description",[249,252,255,258,261,264,267,270,273,276,279],{"term":250,"definition":251},"NMLS (Nationwide Multistate Licensing System)","The federal registry through which mortgage loan originators obtain and maintain state-specific licenses in the United States.",{"term":253,"definition":254},"RESPA (Real Estate Settlement Procedures Act)","A US federal law governing real estate loan disclosures and prohibiting kickbacks that a loan counselor must understand and communicate to borrowers.",{"term":256,"definition":257},"TILA (Truth in Lending Act)","A US federal law requiring clear disclosure of loan terms, costs, and APR — compliance with which is a core loan counselor obligation.",{"term":259,"definition":260},"HUD-Approved Agency","A housing counseling agency that has received approval from the US Department of Housing and Urban Development to provide federally recognized counseling services.",{"term":262,"definition":263},"Debt-to-Income Ratio (DTI)","A borrower's total monthly debt payments divided by gross monthly income, used to assess creditworthiness and a key metric loan counselors evaluate.",{"term":265,"definition":266},"Loan-to-Value Ratio (LTV)","The ratio of a loan amount to the appraised value of the collateral — a fundamental underwriting metric loan counselors use to advise clients.",{"term":268,"definition":269},"At-Will Employment","Employment that either party may end at any time, for any lawful reason, without advance notice or cause — the default in most US states.",{"term":271,"definition":272},"ECOA (Equal Credit Opportunity Act)","A US federal law prohibiting lending discrimination on the basis of race, sex, age, or other protected characteristics — a compliance obligation embedded in the loan counselor role.",{"term":274,"definition":275},"GLBA (Gramm-Leach-Bliley Act)","A US federal law requiring financial institutions to protect the privacy and security of nonpublic personal information collected from borrowers.",{"term":277,"definition":278},"KPI (Key Performance Indicator)","A measurable metric — such as loan application volume, approval rate, or client satisfaction score — used to evaluate a loan counselor's performance.",{"term":280,"definition":281},"Continuing Education (CE)","Mandatory annual training required to maintain active lending or counseling licenses, typically 8 hours per year for NMLS-licensed originators.",[283,288,293,298,303,308,313,318,323,328],{"name":284,"plain_english":285,"sample_language":286,"common_mistake":287},"Role summary and reporting structure","Describes the position in one to two sentences, states the employment type, and identifies the direct supervisor or department the counselor reports to.","The Loan Counselor is a [FULL-TIME / PART-TIME] employee reporting to the [TITLE OF SUPERVISOR], responsible for guiding clients through loan products, eligibility assessment, and application processes in accordance with applicable federal and state regulations.","Omitting the reporting line entirely — without a named title or department, accountability gaps emerge and HR cannot enforce performance management through a clear chain of command.",{"name":289,"plain_english":290,"sample_language":291,"common_mistake":292},"Core duties and client-service responsibilities","Lists the primary day-to-day tasks: counseling clients on loan options, collecting financial documentation, assessing creditworthiness, and guiding applications to completion.","Primary duties include: (a) conducting initial client financial assessments; (b) explaining loan product terms, interest rates, and repayment obligations; (c) collecting and reviewing income, credit, and asset documentation; (d) submitting complete applications to underwriting within [X] business days of intake.","Writing duties as vague outcomes ('help clients') rather than specific observable actions — vague language makes performance reviews subjective and creates disputes about whether the role was performed.",{"name":294,"plain_english":295,"sample_language":296,"common_mistake":297},"Licensing and regulatory compliance obligations","States any required licenses (NMLS registration, state mortgage license, HUD certification), the employee's obligation to maintain them, and the consequences of lapse.","Employee must hold and maintain an active NMLS unique identifier, comply with all applicable state licensing requirements, and complete [X] hours of annual continuing education. License lapse constitutes grounds for suspension of client-facing duties pending remediation.","Referencing a license requirement without specifying the employer's policy on lapsed licenses — leaving the organization with no documented basis to suspend duties or terminate if a license expires.",{"name":299,"plain_english":300,"sample_language":301,"common_mistake":302},"Federal and state regulatory compliance","Enumerates the specific laws and regulations the counselor must follow — TILA, RESPA, ECOA, GLBA, HMDA, and any applicable state consumer lending statutes.","Employee shall at all times comply with the requirements of TILA, RESPA, ECOA, GLBA, and HMDA, as well as any applicable [STATE] consumer lending statutes. Employee shall complete employer-required compliance training within [30] days of hire and annually thereafter.","Listing only federal statutes and omitting state-specific laws — several states (New York, California, Texas) impose lending disclosure and counseling requirements that exceed federal minimums and expose unlicensed conduct to state penalties.",{"name":304,"plain_english":305,"sample_language":306,"common_mistake":307},"Confidentiality and data security obligations","Requires the counselor to protect all nonpublic personal information (NPI) collected from borrowers, consistent with GLBA privacy rules and the employer's data security policy.","Employee shall treat all borrower financial information as Confidential Information, use it solely for the purposes of loan counseling, and not disclose it to any third party except as required by law or with prior written borrower consent. Employee shall follow the Company's Data Security Policy [REFERENCE POLICY TITLE].","Referencing a data security policy without providing it — or not updating the job description when the policy changes — creating a gap between documented obligations and actual practice that regulators flag during examinations.",{"name":309,"plain_english":310,"sample_language":311,"common_mistake":312},"Anti-discrimination and fair lending obligations","Requires the counselor to treat all applicants consistently regardless of race, sex, age, national origin, religion, disability, familial status, or other protected characteristics under ECOA and the Fair Housing Act.","Employee shall provide all prospective borrowers with equal access to loan products, counseling, and application assistance without regard to race, color, religion, national origin, sex, age, disability, familial status, or any other characteristic protected by applicable law.","Including a generic non-discrimination statement that does not reference fair lending specifically — regulators and plaintiffs distinguish between general EEO language and role-specific fair lending obligations, and the absence of the latter can signal institutional indifference.",{"name":314,"plain_english":315,"sample_language":316,"common_mistake":317},"Performance expectations and KPIs","Sets measurable targets the counselor is expected to meet — number of client consultations per week, application completion rate, turnaround time, and client satisfaction scores.","Performance will be evaluated against the following KPIs: (a) minimum [X] client consultations per [week/month]; (b) application completion rate of [X]%; (c) average file submission to underwriting within [X] business days; (d) client satisfaction score of [X]/5 or above on post-counseling surveys.","Omitting KPIs entirely and relying on subjective manager assessment — without documented benchmarks, performance improvement plans and terminations for cause are legally vulnerable to challenge.",{"name":319,"plain_english":320,"sample_language":321,"common_mistake":322},"Compensation, benefits, and at-will status","States the base salary or hourly rate, any incentive or commission structure, benefits eligibility, and — for US employers — the at-will nature of the employment relationship.","Employee shall receive a base salary of $[AMOUNT] per year, payable [BI-WEEKLY / SEMI-MONTHLY], and is eligible for [INCENTIVE PLAN DESCRIPTION]. Employment is at-will and may be terminated by either party at any time with or without cause, subject to applicable law.","Including a detailed incentive plan formula inside the job description — incentive plan terms should be documented in a separate compensation agreement to allow updates without triggering a contract amendment.",{"name":324,"plain_english":325,"sample_language":326,"common_mistake":327},"Intellectual property and work product","Assigns ownership of any tools, templates, client communication scripts, or process documentation created by the counselor in the course of their role to the employer.","All materials, scripts, process documentation, and client-communication templates developed by Employee in the course of employment are the sole property of [EMPLOYER LEGAL NAME] and are hereby assigned to the Company.","Omitting an IP clause from a job description because the role seems non-creative — loan counselors routinely develop client intake checklists, counseling scripts, and workflow tools that have real operational value.",{"name":329,"plain_english":330,"sample_language":331,"common_mistake":332},"Amendment, integration, and governing law","States that the job description supersedes prior informal arrangements, may only be amended in writing signed by both parties, and is governed by the law of the employer's jurisdiction.","This Job Description constitutes the full statement of the Employee's role and responsibilities and supersedes any prior verbal or written representations. It may be amended only by written agreement signed by both parties. This document is governed by the laws of [STATE / PROVINCE].","Not including an integration clause — without one, prior offer letters, recruiter emails, or verbal assurances can be introduced as additional terms, creating obligations the employer never intended.",[334,339,344,349,354,359,364,369],{"step":335,"title":336,"description":337,"tip":338},1,"Enter the employer's legal entity name and location","Use the full registered corporate name — not a trade name or DBA — and include the primary work location or 'Remote / Hybrid' if applicable. This establishes jurisdiction for the governing-law clause.","Cross-check the entity name against your state or provincial corporate registry before execution — a mismatch between the job description and payroll records complicates regulatory audits.",{"step":340,"title":341,"description":342,"tip":343},2,"Define the role title and reporting line precisely","State the exact job title as it will appear in HRIS and payroll systems, and identify the supervisor by title rather than by name to avoid amendment obligations when personnel change.","Use the same job title on the NMLS registration, state license application, and HRIS record — inconsistencies trigger compliance exceptions during regulatory examinations.",{"step":345,"title":346,"description":347,"tip":348},3,"List core duties as specific, observable actions","Replace vague outcomes like 'assist clients' with verb-led, measurable tasks: 'review debt-to-income ratios,' 'complete Form 1003 within two business days of intake,' or 'conduct 60-minute counseling sessions per HUD guidelines.'","Limit the duties list to 8–12 items. A list of 20 or more becomes unmanageable as a performance baseline and is harder to enforce.",{"step":350,"title":351,"description":352,"tip":353},4,"Specify licensing requirements and CE obligations","Enter the exact licenses required (NMLS registration, state mortgage license number format, HUD certification), the annual continuing education hours mandated, and the employer's policy if a license lapses.","Check the NMLS website for the specific continuing education hours required in each state where the counselor will originate — requirements vary from 8 to 20 hours depending on the state.",{"step":355,"title":356,"description":357,"tip":358},5,"Name the applicable federal and state compliance statutes","List TILA, RESPA, ECOA, GLBA, and HMDA as a minimum baseline, then add any state-specific statutes for the counselor's work location. Attach or reference the employer's compliance training schedule.","For counselors working in New York, California, or Massachusetts, consult state banking department guidance for role-specific disclosure requirements that go beyond federal minimums.",{"step":360,"title":361,"description":362,"tip":363},6,"Set quantified KPIs and review cadence","Enter specific numeric targets for consultations per period, application completion rate, file turnaround time, and client satisfaction score. State whether performance is reviewed quarterly or annually.","Align KPIs with your HMDA reporting metrics — using the same data points in both the job description and regulatory reporting creates a defensible, consistent paper trail.",{"step":365,"title":366,"description":367,"tip":368},7,"Complete the compensation block and at-will notice","Enter base salary, payment frequency, and a reference to any incentive plan (by plan name only — not formula). For US employers, include the at-will statement; replace it with a notice-period clause for Canadian, UK, or EU employees.","Do not embed the incentive formula in the job description — document it in a separate compensation agreement so you can update targets without a formal contract amendment.",{"step":370,"title":371,"description":372,"tip":373},8,"Execute before the first day of work","Both the employer representative and the employee must sign and date the document before or on the first day of employment. Post-start-date signatures may weaken the enforceability of IP assignment and confidentiality clauses under common-law consideration rules.","Use an eSignature tool to timestamp execution and store the fully signed copy in your HRIS — regulators frequently request executed job descriptions during Fair Lending examinations.",[375,379,383,387,391,395],{"mistake":376,"why_it_matters":377,"fix":378},"Omitting license lapse consequences","If the job description requires an NMLS license but says nothing about what happens if it lapses, the employer has no documented basis to suspend duties or trigger a performance action — creating operational and compliance exposure.","Add a specific clause stating that license lapse results in immediate suspension of client-facing duties pending remediation, and that failure to reinstate within [X] days constitutes grounds for termination.",{"mistake":380,"why_it_matters":381,"fix":382},"Listing only federal statutes and ignoring state law","States including New York, California, and Texas impose lending disclosure and counseling obligations that exceed federal minimums. A job description referencing only TILA and RESPA leaves a gap regulators flag during state examinations.","Research the banking department requirements for each state where the counselor operates and add the applicable state statutes to the compliance obligations clause.",{"mistake":384,"why_it_matters":385,"fix":386},"Using vague duty descriptions that cannot support a performance review","Phrases like 'assist borrowers' or 'support the lending team' provide no measurable baseline for a performance improvement plan or a termination-for-cause decision — both of which are vulnerable to legal challenge without documented standards.","Rewrite each duty as a specific, observable action with a measurable output: 'conduct initial financial assessment within one business day of application receipt.'",{"mistake":388,"why_it_matters":389,"fix":390},"Embedding incentive plan formulas inside the job description","Incentive targets change annually. If the formula is written into the job description, every target update requires a formal document amendment — or the employer risks a wage claim based on the original terms.","Reference the incentive plan by name only in the job description and document the formula in a standalone compensation agreement that can be updated independently.",{"mistake":392,"why_it_matters":393,"fix":394},"Executing the document after the employee's start date","In common-law jurisdictions, signing a document with restrictive covenants (IP assignment, confidentiality) after the employee has already started work may lack fresh consideration, potentially voiding those provisions.","Execute the job description on or before the first day of work. If circumstances require a later signature, provide documented additional compensation — a signing bonus, salary increase, or additional PTO — as fresh consideration.",{"mistake":396,"why_it_matters":397,"fix":398},"No integration clause to supersede prior communications","Without an integration clause, prior offer letters, recruiter emails, or verbal assurances about duties, bonuses, or schedule flexibility can be introduced as binding terms in a dispute, creating obligations beyond what the signed document states.","Include a clear entire-agreement clause stating the job description supersedes all prior oral and written representations regarding the scope of the role.",[400,403,406,409,412,415,418,421,424],{"question":401,"answer":402},"What is a loan counselor job description?","A loan counselor job description is a formal employment document that defines the scope, duties, qualifications, licensing obligations, and performance expectations for a loan counselor role. In the financial services industry, it also incorporates compliance obligations under federal laws such as TILA, RESPA, and ECOA, making it both an HR document and a regulatory recordkeeping instrument. Signed copies are typically retained for audit and examination purposes.\n",{"question":404,"answer":405},"What does a loan counselor do?","A loan counselor guides clients through the borrowing process — explaining loan product options, assessing financial eligibility using metrics like DTI and LTV, collecting and reviewing application documentation, and ensuring applicants understand their repayment obligations. In HUD-approved agencies, they also provide foreclosure prevention, homebuyer education, and debt management counseling. The role requires both financial knowledge and regulatory compliance awareness.\n",{"question":407,"answer":408},"Does a loan counselor need to be licensed?","Licensing requirements depend on the specific duties and jurisdiction. Mortgage loan counselors who originate residential mortgage loans in the US must hold an active NMLS registration and any applicable state mortgage license. HUD-approved housing counselors must meet HUD certification requirements. Consumer credit counselors working in nonprofit debt management programs typically operate under agency-level licensing rather than individual licenses, though this varies by state.\n",{"question":410,"answer":411},"What federal laws apply to a loan counselor's work?","At minimum, US loan counselors must comply with TILA (disclosure of loan terms and APR), RESPA (real estate settlement procedure disclosures), ECOA (equal credit opportunity and anti-discrimination), GLBA (borrower data privacy), and HMDA (home mortgage data reporting where applicable). State laws in New York, California, Texas, and others impose additional disclosure and counseling obligations that the job description should reference explicitly.\n",{"question":413,"answer":414},"Is a loan counselor job description a legally binding document?","When signed by both employer and employee, a loan counselor job description generally creates enforceable obligations — particularly around confidentiality, IP assignment, compliance duties, and performance standards. Enforceability of specific provisions, such as post-employment restrictions, depends on jurisdiction and whether fresh consideration was provided at signing. Consider having legal counsel review the document before use in heavily regulated or multi-state environments.\n",{"question":416,"answer":417},"How is a loan counselor different from a loan officer?","A loan officer typically focuses on originating and processing new loan applications — evaluating creditworthiness, structuring loan terms, and managing the approval pipeline. A loan counselor's scope is broader and more advisory: they educate clients on financial options, help borrowers in distress develop repayment plans, and may provide pre-purchase or foreclosure-prevention counseling. In HUD-approved agencies, counselors are explicitly prohibited from originating loans to preserve independence.\n",{"question":419,"answer":420},"What qualifications should a loan counselor have?","Typical required qualifications include an associate's or bachelor's degree in finance, business, or a related field; 1–3 years of experience in consumer lending or financial counseling; proficiency with loan origination software; and knowledge of applicable federal and state lending laws. Preferred qualifications often include HUD certification, an active NMLS registration, bilingual capability in markets with large non-English-speaking populations, and demonstrated experience with underserved borrower segments.\n",{"question":422,"answer":423},"Can I use this template for a nonprofit housing counseling agency?","Yes, with modifications. HUD-approved agencies must ensure the job description reflects HUD counseling protocol requirements, including the prohibition on loan origination, the requirement to provide action plans to clients, and the agency's HUD Intermediary or Local Housing Counseling Agency designation. Reference HUD Handbook 7610.1 and your agency's HUD-approved work plan when customizing the duties and compliance clauses.\n",{"question":425,"answer":426},"What should the KPI section of a loan counselor job description include?","Effective KPIs for a loan counselor role include minimum client consultation volume per week or month, application completion and accuracy rate, average file submission time to underwriting, client satisfaction scores from post-counseling surveys, and continuing education completion rate. For HUD-certified counselors, HMDA data accuracy and action plan delivery rates are additional measurable outputs tied directly to agency compliance requirements.\n",[428,432,436,440],{"industry":429,"icon_asset_id":430,"specifics":431},"Banking and Credit Unions","industry-fintech","Regulatory examination readiness requires written job descriptions on file for every client-facing lending role, with explicit reference to TILA, RESPA, and fair lending obligations.",{"industry":433,"icon_asset_id":434,"specifics":435},"Mortgage and Real Estate Lending","industry-professional-services","NMLS licensing requirements, state-specific originator registration, and RESPA settlement procedure training are non-negotiable elements that must appear in the written role definition.",{"industry":437,"icon_asset_id":438,"specifics":439},"Nonprofit Housing Counseling Agencies","industry-nonprofit","HUD-approved agencies must document counselor duties in a format consistent with HUD Handbook 7610.1, including the separation between counseling and origination functions.",{"industry":441,"icon_asset_id":442,"specifics":443},"Fintech and Online Lending Platforms","industry-saas","Remote loan counselors at digital lenders require explicit data security obligations referencing GLBA and the platform's SOC 2 or ISO 27001 policies, alongside state-by-state licensing acknowledgments.",[445,449,453,456],{"vs":446,"vs_template_id":447,"summary":448},"Loan Officer Job Description","D{LOAN_OFFICER_JD_ID}","A loan officer job description focuses on origination — generating new loan volume, managing the approval pipeline, and meeting production targets. A loan counselor job description emphasizes client education, financial assessment, and advisory services, often including HUD compliance and foreclosure-prevention duties. The two roles have different licensing paths and regulatory obligations and should not share the same job description.",{"vs":450,"vs_template_id":451,"summary":452},"Employment Contract","employment-agreement_at-will-employee-D541","An employment contract is the binding governing document for the full employment relationship — covering compensation, IP assignment, non-compete, severance, and termination in legal detail. A job description defines the scope of duties and performance expectations within that relationship. Both documents should be executed, but the employment contract takes precedence on compensation and termination terms; the job description governs role scope.",{"vs":116,"vs_template_id":454,"summary":455},"independent-contractor-agreement-D160","An independent contractor agreement engages a self-employed counselor for project-based or part-time work without employment entitlements. A job description is an employment document. For lending roles, contractor misclassification carries NMLS and state licensing complications — loan originators who exercise independent judgment on behalf of borrowers are typically classified as employees under SAFE Act guidance.",{"vs":457,"vs_template_id":458,"summary":459},"Offer Letter","job-offer-letter-long-D12769","An offer letter confirms the role and compensation to secure a candidate's acceptance, but it lacks the compliance obligations, licensing requirements, KPI expectations, and IP clauses a loan counselor job description contains. Relying solely on an offer letter leaves the employer without documented regulatory compliance obligations — a gap that federal and state examiners specifically look for during audits.",{"use_template":461,"template_plus_review":465,"custom_drafted":469},{"best_for":462,"cost":463,"time":464},"Community banks, credit unions, and small mortgage shops hiring for standard domestic loan counselor roles in a single state","Free","30–60 minutes",{"best_for":466,"cost":467,"time":468},"Multi-state lenders, HUD-approved agencies, or employers adding non-compete or enhanced data security clauses","$300–$700","2–5 business days",{"best_for":470,"cost":471,"time":472},"Large regional or national lenders, fintech platforms operating in 10+ states, or institutions under active regulatory examination","$1,000–$3,500+","1–3 weeks",[474,479,484,489],{"code":475,"name":476,"flag_asset_id":477,"note":478},"us","United States","flag-us","NMLS registration is required for any individual who takes a residential mortgage loan application or offers or negotiates terms under the SAFE Act. At-will employment is the default in 49 states; include an explicit at-will statement. Non-compete enforceability varies sharply by state — California, Minnesota, and Oklahoma severely restrict them. State banking departments in New York, California, and Texas impose counseling disclosure requirements that exceed federal minimums and must be referenced in the compliance clause.",{"code":480,"name":481,"flag_asset_id":482,"note":483},"ca","Canada","flag-ca","At-will employment does not exist in Canada. Replace the at-will clause with a notice-period provision meeting provincial Employment Standards Act minimums — typically one to two weeks per year of service. Mortgage brokers and agents in Ontario, BC, and Alberta must be registered with the provincial regulator (FSRA, BCFSA, or ASC respectively); the job description must reference the applicable registration requirement. Quebec contracts should be prepared in French for provincially regulated employers.",{"code":485,"name":486,"flag_asset_id":487,"note":488},"uk","United Kingdom","flag-uk","Employers must provide a written statement of employment particulars on or before the first day of work under the Employment Rights Act 1996. FCA authorisation or registration is required for individuals carrying out regulated mortgage activities under FSMA 2000. The job description should reference the employee's obligation to maintain FCA registration and comply with FCA Conduct Rules. Post-employment non-compete clauses are enforceable only if reasonable in scope and duration.",{"code":490,"name":491,"flag_asset_id":492,"note":493},"eu","European Union","flag-eu","The EU Transparent and Predictable Working Conditions Directive requires written employment terms within seven days of hire. Consumer credit advisors in EU member states must comply with the Consumer Credit Directive (CCD2, effective 2026), which imposes suitability assessment and disclosure obligations the job description should reference. GDPR obligations on borrower data must be reflected in the confidentiality and data security clause. Post-employment non-competes typically require financial compensation to the employee to be enforceable, at rates that vary by member state.",[451,458,454,495,496,497,498,499,500,501,502,503],"non-disclosure-agreement-nda-D12692","employee-handbook-D712","employee-dismissal-letter-D508","employment-agreement-executive-D543","fixed-term-contract-D13225","remote-work-agreement-D13282","temporary-employment-contract-D12734","how-to-create-a-performance-improvement-plan-D12564","confidentiality-agreement-D950",{"emit_how_to":192,"emit_defined_term":192},{"primary_folder":93,"secondary_folder":506,"document_type":507,"industry":508,"business_stage":509,"tags":510,"confidence":516},"job-descriptions","form","finance-and-insurance","all-stages",[511,512,513,514,515],"hiring","compliance","finance","job-description","loan-counselor",0.95,"\u003Ch2>What is a Loan Counselor Job Description?\u003C/h2>\n\u003Cp>A \u003Cstrong>Loan Counselor Job Description\u003C/strong> is a formal employment document that defines the scope of a loan counselor role within a bank, credit union, mortgage company, or nonprofit housing agency. It sets out the counselor's core duties — client financial assessment, loan product education, application guidance, and regulatory compliance — along with required qualifications, licensing obligations, performance benchmarks, and data security responsibilities. Unlike a generic job posting, a signed loan counselor job description functions as a binding record of the employee's acknowledged obligations under federal and state lending laws, making it both an HR instrument and a compliance document that regulators request during examinations.\u003C/p>\n\u003Ch2>Why You Need This Document\u003C/h2>\n\u003Cp>Without a documented, signed job description, a lending institution faces compounding exposure on multiple fronts. Federal and state examiners reviewing fair lending compliance routinely request written role definitions to confirm that counselors have been formally notified of their TILA, RESPA, ECOA, and GLBA obligations — an oral briefing is not sufficient for examination purposes. Performance improvement plans and terminations for cause become legally vulnerable when there are no documented standards to measure against. Licensing gaps go unaddressed because no written policy governs what happens when an NMLS registration lapses. And IP created by counselors — intake checklists, client scripts, workflow tools — may not belong to the employer without an explicit assignment clause. This template gives lending organizations a structured, compliance-aware foundation that closes all four gaps in under an hour, with room to tailor duties, KPIs, and state-specific statutory references before execution.\u003C/p>\n",1778773455975]