Erica Ramjohn
Certified Housing Counselor & Financial Coach
Elizabeth City,NC
Summary
Dynamic Senior HUD Certified Housing Counselor with Child & Family Services of Eastern VA, adept at financial analysis and debt management. Successfully secured loan modifications for clients, enhancing their financial stability. Expert in case management and housing counseling, fostering community partnerships to support housing initiatives and empower clients through education and strategic planning.
Overview
9
9
years of professional experience
1
1
Certification
Work History
Senior HUD Certified Housing Counselor
Child & Family ServicesofEasternVAdba/The UpCenter
Norfolk
02.2016 - Current
- Analyzed borrowers' incomes and expenses to develop effective debt management strategies.
- Maintained comprehensive records of client interactions per agency policies.
- Coordinated with lenders to secure loan modifications for clients facing foreclosure.
- Assisted clients in crafting financial plans to prevent future delinquency.
- Provided housing counseling services on foreclosure, credit issues, budgeting, and pre-purchase strategies.
- Educated clients on real estate procedures to ease home-buying processes.
- Built partnerships with organizations to enhance community support for housing issues.
- Monitored client progress and updated case files to reflect current status.
Education
Bachelor of Science - Business Administration
09-2015
Skills
- Financial analysis and debt management
- Loan modification strategies
- Case management and housing counseling
- Record keeping and documentation
Affiliations
- Board Member of Habitat for Humanity Elizabeth City NC - current role Publicity Agent.
- Radio Show host of The River City Reviews Show on WRVS 89.9 FM ECSU- Elizabeth City State University~ Your Community Voice.
- Charter Member of The River City Toastmasters Club~2012-current role, Treasurer.
Accomplishments
- HUD Housing Counseling Certification -2019
- Community Service Award~ Elizabeth City NC
- NCNW Black Pearls, UNSUNG HEROES Award
- Certificate of Appreciation~ Portsmouth Redevelopment & Housing Authority
- Hampton Roads Housing Consortium~ Housing Warrior Award-2022
- United States Senate, Certificate of Special Recognition as Housing Warrior- Senator Tim Kaine.
- United States Senate, Certificate of Special Recognition as Housing Warrior- Senator Mark R Warner.
Certification
- Qualified Trainer for VIrginia Housing Homeownership Education Program~2023
- HUD Housing & Financial Coaching Certification ~2019
- Virginia Fair Housing Certification-2019
References
References available upon request.
Timeline
Senior HUD Certified Housing Counselor - Child & Family ServicesofEasternVAdba/The UpCenter
02.2016 - Current
Argosy University - Bachelor of Science, Business Administration
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