500 South Stone Spokane, Washington 99202€¦ · Several other organizations, including the Center for Justice, Northwest Fair Housing Association, and University Legal Services

June 29,2012

Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

Attention: Rich Zwicker, Paralegal

Dear Mr. Zwicker:

500 South Stone

Spokane, Washington 99202

TEL 509.456.71 06

FAX 509.456.7159

Please accept our application for funding under the Washington Consumer Foreclosure

Remedies Fund.

SNAP is pleased to submit this application as part of a comprehensive effort to prevent additional foreclosures and to mitigate the damage done to our neighborhoods as a result of the high rate of foreclosures in Spokane County. SNAP, Community Frameworks, Habitat for Humanity-Spokane and the Spokane Community Land Trust have recently created a collaborative effort to provide a continuum of services in response to the foreclosure

crisis. Strengthening Homeowners & Neighborhoods (SHONE) will share information and resources across organizations and continuously strive to improve service delivery to consumers.

Several other organizations, including the Center for Justice, Northwest Fair Housing Association, and University Legal Services have also expressed interest in this collaborative. If funded, these organizations will work together to address the full spectrum of foreclosure issues and will maximize the positive impact of the settlement funds in Eastern Washington.

Sincerely,

~~~ ~~Honekamp

Connecting and providing access to resources which create opportunities, with dignity, for low income people. www.snapwa.org 34-003

APPLICATION FOR FUNDS

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APPLICATION FOR FUNDS FOR PROJECT TO HELP WASHINGTONHOMEOWNERS AVOID PREVENTABLE FORECLOSURES OR TO AMELIORATE

THE EFFECTS OF THE FORECLOSURE CRISIS

Please submit an application including all of the following information. Incompleteapplications will not be considered.

I. APPLICANT INFORMATION

Organization Name: Spokane Neighborhood Action Partners

Mailing Address: 3102 W. Fort George Wright Dr.

City, State, Zip: Spokane, WA 99224

County: Spokane

If Tribal, Designate Tribe:

Primary Contact Person: Kerri Rodkey

Primary Contact Phone No.: 509.456.7106 x 112

Primary Contact Email: [email protected]

Secondary Contact Person: Monica Lloyd

Secondary Contact Phone No.: 509.456.7106 x 119

Secondary Contact Email: [email protected]

II. ORGANIZATION TYPE

(check applicable)

501(c)3 nonprofit

Tribal

Governmental agency

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III. IDENTIFYING INFORMATION

Tax Identification Number (TIN): 91-1311127Uniform Business Identifier (UBI): 600 615 613

A. Does your organization currently receive any funding from the AGO? If yes,please identify the date of your last report.

No; Yes.6/12/2012

B. Does your organization receive any funding from any other governmental agencyfor housing related projects or foreclosure related assistance? If yes, list thecontracts by title, contract number and funding amount for the past 3 years.

No; Yes.WSHFC, State Homeownership Foreclosure Fairness Act Sub-Grant,7/1/2012, $58,800WSHFC, State Homeownership Foreclosure Counseling and Support,7/1/2012, $188,741WSHFC, National Foreclosure Mitigation Counseling Program Sub Grant,9/15/11, $50,000WSHFC, State Homeownership Foreclosure Counseling and SupportSubgrant, 1/21/11, $50,000City of Spokane, CDBG program, contract # OPR2009-0779, $20,000;contract # OPR2010-0756, $40,000; Contract # OPR2011-0854, $18,605United Way, Dept. of Commerce Sub-Grant, 7/1/2009, $3850; 7/1/2010,$4216.15; 7/1/2011, $2000United Way Allocation, 7/1/2009, $26,680; 7/1/2010, $28,680; 7/1/2011,$29,680US Department of HUD, Contract # HC10-0921-017, 10/1/2010, $42,865.98Spokane County Downpayment Assistance Program, 7/1/09, $150,000Washington State

C. Is your organization solely owned/operated by a current state employee? If so,please complete the Ethics Certification process at www.ethics.wa.gov.

No; Yes.

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IV. PROJECT PROPOSAL

A. Project Title SNAP Foreclosure Prevention Program

B. Requested Amount: $3,074,354.00

C. Project summary: In 150 words or less, concisely describe your project and howit meets the criteria set forth in the settlement. This summary will help theCommittee review proposals. Attachments and exhibits are not allowed in thissection. Over-length summaries will disqualify application.SNAP intends to prevent at least 500 foreclosures in the Spokane area over thenext 5 years by expanding our current capacity and reaching out to underservedhomeowners. This is part of a comprehensive, community-wide effort to addressboth the preventable foreclosures and the impact on low income neighborhoods.The strategies we propose include:

1. Outreach, to increase awareness in the community that there are resourcesavailable to help homeowners. We will be targeting those most affected by themortgage crisis and those most underserved, low income and minorityhomeowners.

2. Lending, through our wholly owned CDFI subsidiary, to increase the numberof low income homeowners we can keep out of foreclosure through ourForeclosure Prevention Loan Program.

3. Case Management, to increase participation and positive outcomes fromnegotiations with lenders by adding the capacity to follow up with homeownersand stay with them until their homeownership stabilizes.

D. Describe how your project meets the criteria set forth in sections I and III above,including estimated start and completion dates. Supporting information andexhibits may be included here. Please try to make your submission as concise aspossible.SNAP has been a HUD approved housing counseling agency since 1986. Wecurrently have 5 highly qualified and effective counselors, along with a smallforeclosure prevention loan fund. This project is designed to increase the impactof the housing counseling program on the foreclosure rate in the Spokane area.

The project meets many of the state criteria.

• Targeted at the population of consumers who were harmed by unfair ordeceptivemortgage servicing practices. We are planning a targeted outreach campaign toreach low to moderate income and minority homeowners, letting them know thatthere is help for them. The campaign will kickoff shortly after the beginning ofthe project with the majority of the effort happening in the first 4 months. A

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maintenance level campaign will continue throughout the 5 year span of theproject.Research indicates that minority homeowners are paying much higher rates thanwhites for their mortgages, an indicator of risk. There is also evidence that“foreclosure rates are indeed higher in areas with higher rates of poverty andlower average incomes.” (Foreclosures by Race and Ethnicity: TheDemographics of a Crisis, Center for Responsible Lending Research ReportDebbie Gruenstein Bocian, Wei Li, and Keith S. Ernst June 18, 2010)

SNAP currently serves nearly 50,000 low income people in the Spokane area eachyear, including 21% minorities, compared to the Spokane County rate of 8%minorities. SNAP is a highly trusted resource for low income and minorityfamilies in Spokane, but we are not reaching homeowners as well as we need tobe, and few of them know that we have a highly effective foreclosure preventionprogram. With the confusing array of messaging around foreclosures, much of itcoming from unscrupulous sources, it will be very important to have themessaging coming from a trusted, local source.• To reach underserved populations: Low income homeowners have feweroptions available to them from their lenders, attorneys and other resources. Thisproject would begin with initial outreach raising awareness and educatinghomeowners on their options, focusing this outreach on high-poverty areas ofSpokane. The 5 SNAP housing counselors can assist the homeowners with theactual process of loan modification request and contact with their lenders. If notsuccessful in working out an affordable payment with their lender, somehomeowners will qualify for our Foreclosure Prevention Loan Fund. This fundwill be used to help homeowners threatened with foreclosure who are not eligiblefor refinancing or modifications because their incomes are too low. Tocomplement the above services, SNAP also provides access to community fundsand services such as energy assistance, weatherization, money management andcredit counseling. This wraparound service approach provides the greatestopportunity for a homeowner to have a successful modification or prepare fortheir future, no matter the outcome.• Offering the greatest public benefit potential per dollar spent. SNAP has foundthat outreach campaigns have significantly increased the number of qualifiedpeople who access a needed service. Contrary to popular belief, we have foundthat television is a highly cost effective method of reaching our target populationwhen combined with other methods, especially because of the matching coveragewe receive as a nonprofit. SNAP has had great success using television, radio andinternet in the recent past to promote specific programs, such as our SmallBusiness Development efforts, Energy Assistance appointments and the BankOnSpokane initiative. Some included billboards and print ads, and all of thesecampaigns also incorporated online support, through Facebook, Twitter, andlinkbacks with community partners. By increasing awareness of the program,SNAP can work to reduce the number of foreclosures through counseling,negotiation and mediation, which is only effective if homeowners know theservice exists.

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The Foreclosure Prevention Loan fund will directly impact the foreclosure rate bybringing current homeowners in imminent risk of foreclosure. The effect of thegrant funds provided will exist far into the future through this revolving loan fundcreating a lasting public benefit from each dollar granted.We are able to fund our current staff of five housing counselors with FFAfunding. Rather than hiring more housing counselors, we seek to increase thepositive outcomes of our existing counselors at lower cost by hiring a part timeassistant to provide more personal service and support to clients. The structure ofour current funding requires that counselors maintain a very large caseload, givingthem time to use their expertise effectively but not much time for staying in closecontact with the homeowner and keeping them engaged in the process. We arefinding a large number of cases where it takes up to two years to reach a finalsolution and many of those longer term cases are falling through the cracks ashomeowners get frustrated and need more support. By hiring a program assistantto maintain contact with the homeowner, reminding them about the steps theyneed to take, SNAP will follow them until they have a resolution and keep themin their home long term. This follow-up does not require the technical expertiseof a housing counselor, but will leverage that expertise for the large caseloadsthey are carrying while resulting in a higher percentage of positive outcomes percounselor.• To provide a unique or necessary service to consumers: Of the seven HUDapproved housing counseling agencies in Eastern Washington, only SNAP offersa Foreclosure Prevention Fund that reaches out to that population that would notqualify for a refinance or modification but would greatly benefit from a reducedmonthly payment. In some cases this reduction in payment can be the only wayto avoid foreclosure. Also, the personalized follow up case management servicesare unique to the industry and could make the difference between keeping andlosing their home for hundreds of homeowners.• To provide geographic diversity: Located in Eastern Washington, able to serveboth the city of Spokane and the surrounding rural areas in Washington.• To operate with low administrative costs: SNAP operates very efficiently, witha 9% administrative cost agency-wide, however this program will function with a1.5% administrative cost.• For programs which have previously demonstrated success: SNAP beganhousing counseling in the mid-80’s and has continuously provided housingcounseling since obtaining HUD’s approval in 1988. Since the early ’90’s, over7,000 households have participated in pre purchase counseling and over 1,500have purchased homes. The Agency oversees a $2.35 million Revolving LoanFund (RLF). The RLF was established in 1995 with funding from WashingtonState’s, Housing Trust Fund to make homeownership affordable for low-income,first-time buyers by providing deferred payment, second mortgages, in amountsup to $20,000. The Agency has also administered down payment programs forboth the city and county of Spokane and overall has provided over 450 familiesdown payment loans. Housing counseling outcomes also include foreclosures-prevented/defaults-cured for 1,260 of 3000 participating households. Allcounselors have been trained by WSHFC to teach home buyer classes and have

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earned Housing Counseling certification from NeighborWorks. The Agency hasadopted the National Industry Standards for Homeownership Counseling andEducation.

• To increase participation in the loan modification, mediation and/or ‘meet andconfer’ process. Spokane County is experiencing over1100 foreclosures a year,and many times that are at risk. While SNAP has provided counseling oreducation for over 400 homeowners at risk annually, there are many more thatwould benefit from the services we provide. Our current funding is so highlystructured there is no money for outreach to let them know they have options, andthat there is help for them. A large number of preventable foreclosures areoccurring because homeowners are not aware of the resources available to them.We anticipate increasing our participation by 180 homeowners in the first 6months, and by 1000 homeowners over the 5 year grant period.• To increase the likelihood of successful loan modifications, mediations and/or‘meet and confer’ processes. As described above, it often takes many months fora loan modification to happen, even with the availability of meet and confer ormediation options. The current funding structure for housing counseling inWashington makes it very difficult to stay with a client until a positive outcome isrealized, because it requires each counselor to take on 15-20 new cases eachmonth, quickly building up to a total caseload of 80-100 clients. It is impossibleto stay in contact with that many people and keep them moving toward resolutionwith the amount of time it takes to engage the lender on a regular basis.Homeowners get discouraged and give up because the counselors don’t haveenough time to stay in touch and keep them engaged. By adding a programassistant to stay in regular contact with clients, arrange meetings, and collectadditional documentation as the file becomes outdated, we can use thetremendous expertise of our housing counselors just where they are needed anddramatically increase the engagement of our homeowners in the process. Inaddition, we will be able to connect them with the resources at SNAP that help thehomeowner with employment services, credit repair and financial education thatwill improve their likelihood of a successful modification. We anticipateincreasing the number of successful modifications, meet and confer, andmediation sessions by 50 in the first 6 months and by 500 over the life of theproject.

E. Describe the demographics of the consumers you serve. Please providesupporting data or statistics.The target market for this project is homeowners residing in Spokane County thathave incomes below 50% of AMI. We will also target minority homeowners, toensure that those who already have extremely low homeownership rates are ableto preserve their homes. All at-risk homeowners in Spokane and the surroundingrural areas will be served.The total number of households in Spokane County is 187,900, the medianhousehold income, as of 2010 US Census, is $46,320 and approximately 14.3% ofpersons live below the poverty level. Minorities make up 9.7% of the County

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population. The unemployment rate peaked in 2010 at 9.6%, but has dropped to9.1% since then. There were 1,112 foreclosures in Spokane in 2011, up from 269in 2006, but lower than the 1,152 in 2002. Home prices are at their lowest since2004, averaging $167,665, making it difficult for those struggling with theirmortgage to sell.SNAP served 18,927 households in 2011, including 47,684 individuals, over 10%of Spokane County residents. Those we served had the following demographicprofile:• Ethnicity: 21% of SNAP clients were minorities.• Education: 20% of adults over age24 do not have a high school diploma orGED, 46% have high school only, and 35% have some college.• Employment: 26% of clients are working, 20% seeking work, 54% not seeking(including retired and disabled).• Housing: 29% homeowners, 67% renters, 4% homeless or free rent• Income: 70% very low income (below 30% of median); 25% low income (30-50% of median); 4% moderate income (50-80% of median); 1% over 80% ofmedian.Of those, there were 257 households counseled for foreclosure prevention, withthe following demographic profile:• Ethnicity: 8% of default counseling clients were minorities.• Employment: 39% of clients are working, 16% seeking work, 45% not seeking(including retired and disabled).• Housing: 100% of default counseling clients were homeowners• Income: 23% of default counseling clients are very low income (below 30% ofmedian); 26% low income (30-50% of median); 28% moderate income (50-80%of median); 23% over 80% of median.Of the 367 cases closed last year, 49 received a modification, or 13% of the totalseen. It took an average of 13 hours to get each client to a mortgage modification,although some took up to 48 hours. The median income for those who received amodification was 2250 per month, and the median poverty rate was 56% of AreaMedian Income.Only 20 of those cases resulted in foreclosure, that we know of. The averagenumber of hours per case was 3.8. The median income was 2150 per month, andthe median poverty rate was 55% of AMI. Not much difference between the twogroups.Referrals to legal or other services were made for 40 cases, with no resolutionobtained. Just 3 hours per case was taken on average. The median income forthose who were referred out was 2130 per month, and the median poverty ratewas 50% of AMI.The majority of cases, 192 or 52%, withdrew with no resolution. The averagenumber of hours was 3.5. The median monthly income of those who withdrewwas 1826, significantly lower than those who had any form of resolution at all,and the median poverty rate was 44% of AMI. These are the clients we wouldlike to reach with follow up, to determine whether there is anything that can bedone to help them now. We will find out if they have lost their home with thehelp of a title company supporter, and whether they qualify for any restitution

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payments. If we can reach them we will determine whether they obtained amodification or sale on their own, or whether they continue to struggle withpayments that are too high for their income. For some, we will be able to helpwith the new tools that have become available nationally and in Washington state,for some we will be able to refinance for them and drastically reduce theirpayments,Many of our clients are unable to get a modification or a refinance because oftheir income or extenuating circumstances. These are the ones we are hoping tohelp with the Foreclosure Prevention Loan Program. Here are just a fewexamples from our current portfolio:

Hazel came to SNAP in March of 2012. She is on a fixed income and hermortgage expense was becoming more than she could handle. After completingan initial debt and income analysis it was determined that she did not qualify forthe making home affordable options but would be greatly benefited by loweringher current interest rate of 7.5%. Her mortgage payments are current and there isconsiderable equity in her home but she does not qualify for a conformingrefinance as her debt to income ratio is above guide. The ability to lower thishomeowner’s interest rate would create a sustainable mortgage payment and theconfidence that she can remain in her home, her neighborhood and hercommunity.

Mr. Lockridge contacted the housing counseling department at SNAP in Januaryof 2012. He had recently suffered a major medical condition and was no longerable to work. Prior to this incident he had been working all of his adult life andwas also raising three children on his own. We helped him apply for and get SSIand food assistance but none of the community outreach programs currently beingoffered provided any type of mortgage assistance. Without a permanent incomestream he was unable to qualify for a loan modification and his existing mortgagepayment was quickly becoming a hardship. Having a program where we couldlower this homeowner’s payment to fit his new reduced income would help himkeep the home where he has lived and raised his children for the last 15 years.

Priscilla’s daughter contacted SNAP in May of 2012 because she was concernedabout her mother’s ability to continue making mortgage payments. A dramaticchange in her mother’s health had created additional expenses of almost $500monthly towards medical bills and prescriptions which left a shortage in thebudget. Priscilla was declined for a modification because it was determined thather income was sufficient to make the payment and declined for a traditionalrefinance because her expenses were excessive. She currently has a 15 year loanat 6.25% and if we could extend her term and lower her rate she would be able tocomfortably make the payments and retain homeownership.

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F. Describe the geographic scope of your project.The majority of our customers live in Spokane County, however when there is notanother housing counseling agency available or someone comes to us from therural areas around Spokane County, we are happy to serve them. We only serveWashington State residents.

G. Identify the total number of consumers you expect to serve during the life of thisgrant.At least 2500 consumers will be served with foreclosure information, referral,education, counseling, support for meet & confer meetings, mediation, andrefinanced loans. Of those, we anticipate 500 receiving mortgage modifications.

H. If this is not a new project, describe what changes are being made to an existingproject.The Housing Counseling program has expanded over the past year in response tothe Foreclosure Fairness Act, adding three new counselor positions. The growthin the program, changes brought by the FFA, increasing expectations forcounselor practices and file documentation, and a change in departmentleadership set in motion more turnover in staffing, so that we now have a newprogram manager, three new counselors and one long tenured counselor. Allcounselors are extremely well qualified, including one former mortgageunderwriter, one former broker, one former attorney, and the former manager ofmortgage lending for a large credit union. Two of the new counselors havecarried a full load for several months and the other two are just now building theirportfolio.The program also includes several loan programs. Our Downpayment AssistanceProgram offers $15,000 subordinated loans deferred until the sale or refinance ofthe property. These loans not only cover the downpayment, and closing costs, butthey act like equity to the point where for most first-time homes it eliminates theneed for mortgage insurance and can significantly reduce the monthly payment.We have a small loan program for helping clients get caught up on theirpayments, making deferred loans up to $1800 for those who can demonstrate theability to maintain their payments going forward. We also have a loan pool forpurchasing mortgages, up to $50,000, when it is necessary to prevent foreclosure.Neither of the foreclosure prevention loan funds have been well capitalized orused very frequently over the years. The mortgage loans are managed by ourFinancial Services Manager, to ensure a level of separation between mortgagelending and counseling.

The changes proposed by this project are designed to prevent more foreclosuresby increasing the impact of our current programs. They include:

1. Outreach. We will increase the percentage of homeowners in default who arebeing helped to preserve their home, by increasing local awareness about theresources available to help struggling homeowners. This outreach will target theunderserved and most affected by the mortgage crisis, low income and minority

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homeowners. The campaign will be concentrated during months 3-5 of theproject, with smaller campaigns twice yearly throughout the life of the project.We are proposing a part time position dedicated to outreach, presentations,maintaining current material on the website, and maintaining materials inlocations that the target audience will see them. This awareness campaign willinclude the following strategies:a. Initial concentrated TV, radio, billboard and print campaign designed to make aquick and widespread impact.b. Presentations and educational materials to partner agencies and their clientele,including Head Start, YWCA, WorkSource,c. Booth at larger local events likely to target low income and minorityhomeowners.d. Presentations and educational materials to orgs serving minorities andimmigrants, including AHANA business and professional assn., Latino BusinessAssociation, Hispanic Chamber of Commerce, American Indian CommunityCenter, along with minority-serving churches.e. Outreach to large employers of lower income and minority workers, providinginformation to distribute in employee newsletters or pay envelopes and speakingat staff meetings when appropriate.f. Outreach to lenders and utility companies, giving them brochures to distributeto people having trouble making their payments.g. Mortgage information workshops to be held at the SNAP offices, providing anon-threatening way for people to find out what resources are available if theyhave a sub-prime mortgage or are struggling to retain their home. We will coverthe basics of the foreclosure process including the notice of default, notice oftrustee sale, how to understand your loan, loan modifications, how to prepare forforeclosure mediation, and ways of preventing foreclosure such as getting a loanmodification.

2. Lending. We will increase the number of low income homeowners we cankeep out of foreclosure through our Foreclosure Prevention Loan Program. Thegoal of the Program is to buy out existing mortgages for qualified low incomeSpokane County Residents at risk of foreclosure. We will focus this project onpurchasing smaller mortgages with high interest rates or balloons, when there issufficient equity in the home, but the homeowner is not eligible for a refinance ora modification because their income is too low. The target population would bethose individuals residing in Spokane County with incomes below 50% of AMI orliving on a fixed income. Eligible participants must face imminent foreclosure, beineligible for a refinance or modification, and have a foreclosable lien recorded ontheir primary home. SNAP has a wholly-owned subsidiary which is aCommunity Development Financial Institution (CDFI), where the majority of ourlending is conducted, and this fund would be handled out of the CDFI. We alsohave a certified loan originator on staff who will oversee all loan documentation.The objectives are to:a. Provide first mortgage refinance loans for 12 at-risk homeowners per year at anaverage amount of $50,000.

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b. Provide financial education and homeownership training for each participant.c. Reduce monthly payments for qualified participants to keep them in theirhomes.d. Create a sustainable loan program through program income and origination feesreceived from processing refinance loans.

3. Increase the participation in and positive outcomes from negotiations withlenders, by adding the capacity to follow up with homeowners on a regular basisand staying with them until their homeownership stabilizes. As noted above, toomany of our clients are dropping out of sight and we are not sure whether they arekeeping their homes, selling them, or losing them, because we don’t hear backfrom them after the first couple of meetings. We suspect that they are becomingdiscouraged because the process takes a long time. They are often being askedfor income documentation over and over because the lender doesn’t respond untilthe submitted modification is out of date and has to be updated. Many are sooverwhelmed by the threat of losing their home that they just quit trying. We areproposing a new position that would have primary responsibility for:a. maintaining contact with clients, encouraging them to follow through withproviding documentation, and keeping them updated on the progress of their case.b. researching the availability of principle reduction or mitigation benefits forexisting and former clientsc. following up after the case is closed to determine what the final outcome was,tracking the County Assessor’s website to determine current ownership if unableto make contact with the homeowner.

I. Describe how net benefit or positive outcomes can be measured at the end of theproject.We plan to use our existing data systems to track the outcomes of this project inseveral ways, providing interim reports as requested along with a final report onactivities and outcomes. Short term outcomes include the following:1. Inquiries: We will track whether our outreach efforts have resulted in anincrease in inquiries, and where each caller heard about us. We will produce amonthly marketing report showing the outreach activities conducted and theresponses received from each.Outcome: an initial 50% increase in inquiries from the current year, followed bya long term increase of 20%.2. Demographics: We will track and report whether our outreach is resulting in agreater number of minority clients being served as well as a greater number oflower income clients, both of which are routinely tracked in our ClientManagement System (CMS).Outcome: A 20% increase in minority clientele from the current year, and a 20%increase in clients with incomes below 50% AMI.3. Mediations and Meet & Confer meetings: We will track whether the increasedfollow up will result in a greater number of creditor meetings and mediations. Wedo not currently have an efficient way of tracking this but will document thebaseline year and add it to our CMS.

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Outcome: A 30% increase in Meet and Confer meetings and mediations.

.Long term outcomes will be tracked as follows:1. Increased positive resolutions, including modifications, refinances, short salesand mortgages brought current. It is anticipated that providing greater follow upwill increase positive outcomes, along with providing 60 direct refinances forthose without other options.Outcome: At least 500 foreclosures prevented.2. Increased capacity to track and report outcomes, both positive and negative,through follow up contacts and tracking of property ownership after the casesclose.Outcome: Unknown outcomes reduced by 50%.

J. Have you applied for an equivalent grant in the past, and if so, to which entity andwhen?The majority of our housing counseling funding comes from the WashingtonState Housing Finance Commission, and includes FFA, National ForeclosureMitigation funds, Attorney General funding and HUD funds (see specific amountsand dates above).

Our Foreclosure Prevention Loan Funds came from the Washington Departmentof Commerce, Housing Trust Fund. The grant was received in 1996 in theamount of $590,900.

The most equivalent grant would be our Downpayment Assistant Program,funded by the Housing Trust Fund. Seven consecutive grants have been received,totalling over $2.1 million, with the latest grant received in 2009.

K. If you intend to collaborate with other organizations, please provide a letter ofsupport from that organization.Letters of Support from collaborative organizations are in Attachment 1

L. Please provide an organization chart for your organization.Organizational Chart included in Attachment 2.

M. Please provide three references familiar with organization’s activities and theircontact information.Bill Conner, Homebuyer Education & Training AdministratorWashington State Housing Finance Commission1000 Second Ave, Suite 2700, Seattle, WA 98104-1046(206) 287-4449 direct [email protected]

Sally Pritchard, Vice President of Community ImpactSpokane County United Way920 N. Washington Suite 100, Spokane, WA 99201

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(509) 838-6581 ext. [email protected]

Mike Adolfae, Community Development DirectorCity of Spokane808 W. Spokane Falls Blvd.Spokane, WA 99201Phone: (509) [email protected]

V. PROJECT BUDGET

As noted previously, this grant must be used to provide additional services and not merelyreplace existing services or supplant existing funding. No current salaries or benefits may befunded using grants provided by the AGO unless expressly and explicitly granted, in advanceand in writing, by the Committee. The Committee reserves the right to request a more detailedbudget prior to selection.

A. Total Project amount:

Salaries: $326,536.00Goods and Services (identify): $2,640,032.00

Administrative Overhead $49,103.00Advertising or Outreach $55,000.00

Travel: $3,683.00Total: $3,074,354.00

B. What percent of your total project budget does this funding request represent?This project as a whole represents 59% of the total project budget, however notconsidering the loan capital portion it reduces to 20%. The budgets for eachproject within the application are as follows:

Outreach: $272,225Case Management: $169,574Foreclosure Prevention Loans: $2,672,557

C. If the project will be funded in part from other sources, identify those sources andthe funding amounts.Over the 5 year period of the grant we anticipate the following funding sources:WSHFC, Foreclosure Fairness Act: $1,000,000WSHFC, NFMC: $200,000WSHFC, Attorney General: $200,000WSHFC, HUD: $100,000United Way: $150,000

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Banks: $100,000Interest and Fees: $200,000

VI. PROJECT ADMINISTRATION

A. Identify within your organization who will be directly responsible for thefollowing project components: (a) administration, (b) fiscal, (c) service delivery.Attach a current resume for the agency director, and the lead project staff person,and a current agency organizational chart.A. Administration: Kerri Rodkey, DirectorB. Fiscal: Chris Johnson, AccountantC. Service Delivery: Monica Lloyd, Housing Counseling Program Manager

B. Describe what steps your organization will take to ensure that the project willserve its intended purposes and be completed on time.SNAP has a reputation among its funders for meeting or exceeding its proposedoutcomes, completing projects on time and managing its resources well. Thisreputation has been earned by following these steps, which we will use for thisproject as well:1. Staff carefully and conservatively project outcomes that are doable based onprevious year’s production, indications of demand, and the impact of additionalfunding.2. Staff document activities and outcomes thoroughly in Client ManagementSystem.3. Housing Counseling Manager monitors client files to ensure that documentedservices are actually being provided.4. Director and Housing Counseling Manager run outcome reports monthly andreview with staff in comparison with goals.5. Director reviews financial reports monthly and ensure that expenditures are inline with activities and outcomes.6. Director takes responsibility for making mid-stream changes in direction asneeded if strategies aren’t working as planned, in partnership with staff.

C. Describe how you plan to measure and evaluate the success of your project andinclude samples of evaluation tools if available.The overall project will be evaluated by the number of foreclosures prevented.Evaluation of each of the three projects included in this proposal will be asfollows:1. Outreach Campaign:a. The initial campaign will be evaluated based on our tracking of inquiries andwhere they heard about us. A monthly chart showing sources of inquiries as apercent of the total, along with the number of cases in the pipeline, number ofloans made, and number of foreclosures avoided will be produced. Included inAttachment 4 is the equivalent chart used to track the outcomes of ourMicroenterprise Program marketing campaigns, which will be used as a model.

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b. The outreach project will also be evaluated by tracking the number of minorityhomeowners and those under 50% of median income served. This will becompared with the baseline data from the past year to identify the impact of thetargeted outreach to these populations.

c. Mortgage information workshops will be evaluated by a brief evaluation formdistributed at the end of the workshop. This will cover an assessment of the topicscovered, questions that were not covered, instructor effectiveness, and additionalassistance needed.

2. Foreclosure Prevention Loan Funda. The loan fund will be evaluated by the following measures, which will becompiled into a quarterly report:i. # of foreclosures prevented per yearii. % of applicants receiving a loaniii. At-risk rate (% of outstanding loans 30 days or more past due)iv. Annual default rate (% of outstanding loans written off each year)

3. Case Management Projecta. Case management will be evaluated by the % of total cases that result in aforeclosure prevented, as well as the % of cases that result in a meet and confer ormediation. This will be compiled into a quarterly report and reviewed by thehousing counseling team.b. Housing Counseling itself will be evaluated by the client at the end of eachcounseling session, which will be reviewed by the Housing Counseling ProgramManager on a monthly basis to identify trends that need to be addressed.

VII. CERTIFICATION

I certify that I have the authority to submit this proposal, and that the information in this proposalis true and accurate. If my organization is faith-based, I understand that federal and state lawprohibit the use of public funds for religious worship, exercise, instruction or support of anyreligious establishment.http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htmhttp://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm

I understand that my organization will not receive reimbursement for any costs incurred inpreparing this proposal. If awarded funding, I understand that our proposal will be incorporatedinto the final contract.

Printed Name and Title: Julie Honekamp, CEOSignature (by entering name here,form is electronically signed):

Julie Honekamp

Date: 6/29/2012

34-018

http://www.acf.hhs.gov/programs/ccb/law/state_faith_based.htm

http://www.leg.wa.gov/LawsAndAgencyRules/constitution.htm


— 16 —(Version Date: 5/18/2012)

34-019

Attachment 1:

Letters of Support

34-020

Frameworks AFFORDABLE HOUSING SOLUTIONS FORTHE NORTHWEST

June 25, 2012

Rich Zwicker, Paralegal Consumer Protection Division

Spokane Office 31S W. Mission Ave., Suite 100 Spokane, WA 99201 (S09) 484-6733

Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104':'3188

Dear Mr. Zwicker:

Bremerton Office 409 Pacific Ave., Suite 303 Bremerton, WA 98337 (360) 377-7738

I am writing in support of SNAP's proposal for funding to significantly decrease foreclosures in

the Spokane area through outreach, housing counseling, and financial assistance to homeowners

in distress.

This application is part of a larger community effort, Strengthening Homeowners & Neighborhoods (SHONE), which will reduce foreclosures and mitigate the damage done to our neighborhoods as a result of the high rate of foreclosures in Spokane County. Community

Frameworks is the lead agency in the Partnership for Neighborhood Recovery which also

includes Habitat for Humanity-Spokane and the Spokane Community Land Trust. PNR will address physical deterioration and blight in two high foreclosure neighborhoods in the Spokane

community. SNAP and the PNR group are committed to work in close collaboration to provide

a continuum of services in response to the foreclosure crisis, share information and resources

across organizations and continuously strive to improve service delivery to consumers.

Spokane is one of the hardest hit areas in Washington in terms offoreclosures, and the

foreclosure crisis has had a disproportionate impact on low income and minority homeowners.

This strips families of the most valuable asset they will ever own, and penalizes those who have

worked hard to build assets and work their way out of poverty. It is also concentrated in low

income neighborhoods and exacerbates the problem oflow property values, crime and disinvestment in areas that the city is trying so hard to rebuild.

Like all the organizations in the SHONE effort, SNAP has a strong reputation in this community as an organization that manages its funding effectively creates meaningful outcomes, and stays focused on its mission to create opportunities for low income people. It is an organization that

can be trusted to follow through on its promises and use public funds wisely. I encourage you to

invest in this organization and its objectives.

LmdaHugo JJo Executive Director

A A NelghborWorks·

CHARTERED MEMBER 34-021

City of Spokane

June 28,2012

Mr. Rich Zwicker, Paralegal Consumer Protection Division Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188

Dear Mr. Zwicker,

I am writing in support of Spokane Neighborhood Action Partners' (SNAP) proposal for funding to significantly decrease foreclosures in the Spokane area through outreach, housing counseling, and financial assistance to homeowners in distress.

Spokane is one of the hardest hit areas in Washington in terms of foreclosures, and the foreclosure crisis has had a disproportionate impact on low income and minority homeowners. With the help of this grant, SNAP intends to prevent 500 foreclosures in the Spokane area over the next 5 years by expanding their current capacity and reaching out to underserved homeowners.

Some of the strategies they have proposed are to increase awareness in the community that there are resources available to help homeowners; to increase the number of low income homeowners we can keep out of foreclosure through their Foreclosure Prevention Loan Program; and to increase participation in and positive outcomes from negotiations with lenders by adding the capacity to follow up with homeowners on a regular basis and staying with them until their homeownership stabilizes.

As a member of the SNAP Board of Directors, I can attest to the strong reputation SNAP has in this community as an organization that uses its funding efficiently to produce meaningful outcomes and stay focused on its mission to create opportunities for low income people. I encourage you to invest in this organization and its objectives.

Sincerely,

David A. Condon Mayor

"Spokane - Near Nature, Near Perfect"

808 W. Spokane Falls Blvd., Spokane, Washington 99201-3335 Phone: (509) 625-6250 FAX: (509) 625-6563

34-022

Spokane County United Way

June 26, 2012

Washington State Attorney General's Office Consumer Protection Division 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188


Dear Mr. Zwicker:

920 N. Washington Suite 100 Spokane, Washington 99201 509-838-6581

www.unitedwayspokane.org

I am writing in strong support of SNAP's proposal for funding to significantly decrease foreclosures in the Spokane area through outreach, housing counseling, and financial assistance to homeowners in distress.

Spokane County United Way has a long history of partnership with SNAP, both as a funder and collaborator. SNAP creates meaningful outcomes, and stays focused on its mission to create opportunities for low income people. It operates efficiently and has low administrative costs. It is an organization that can be trusted to follow through on its promises and use public funds wisely.

Spokane is one of the hardest hit areas in Washington in terms of foreclosures, and the foreclosure crisis has had a disproportionate impact on low income and minority homeowners. This strips families ofthe most valuable asset they will ever own, and penalizes low income people and minorities who have worked hard to build assets and work their way out of poverty. It is also concentrated in low income neighborhoods and creates blight, crime and disinvestment in areas that the city is trying so hard to rebuild.

We are working together as a community to change this picture. SNAP has the vision, reputation and expertise with housing counseling to achieve significant positive results for struggling homeowners. I encourage you to select the attached proposal from SNAP for this funding.

Sincerely, ,

itc ard t of Community Impact

34-023

community-minded ENTERPRISES

committed to strengthening communjfies

Kerri Rodkey, Director SNAP Financial Stability Services 500 S. Stone Spokane, W A 99202

Dear Kerri:

25 W. Main, Suite 310 Spokane, WA 99201 USA

Tel. (509) 444-3088 Fax. (509) 444-3077

www.communityminded.org

June 21, 2012

I am writing in support of SNAP's proposal for funding to significantly decrease foreclosures in the Spokane area through outreach, housing counseling, and financial assistance to homeowners in distress.

As you know, Spokane has been hard-hit by foreclosures, and the foreclosure crisis has had a disproportionate impact on minorities, who are already less likely to become homeowners. This strips families of the most valuable asset they will ever own, and penalizes those who have worked hard to build assets and work their way out of poverty. It is also concentrated in low income neighborhoods and exacerbates the problem oflow property values, crime and disinvestment in areas that the city is trying so hard to rebuild.

AHANA (African-American, Asian, Hispanic and Native Americans), a community development program of Community-minded Enterprises, has successfully partnered with SNAP on other initiatives to increase access to resources for minority citizens of our community. We are confident in your ability to use the funding efficiently, create meaningful outcomes, and provide opportunities for minority families. I encourage you to pursue this project.

AHANA and Community-Based Economic Development Director Community-Minded Enterprises 25 W. Main Ave. Ste. 310 Spokane,WA 99201 Direct Phone: (509) 209-2634

34-024

June 22,2012

Kerri Rodkey, Director SNAP Financial Stability Services 500 S. Stone Spokane, WA 99202

Dear Kerri:

ABC I vVashington Asset Building Coalition


A home is the most valuable asset most families will ever own, providing them the stability they need to maintain employment, raise a healthy family and be productive community members. Foreclosures have a disproportionate impact on low income and minority homeowners, reversing the efforts they have made to build assets and work their way out of poverty. They are also concentrated in low income neighborhoods and exacerbate the problem of low property values, crime and disinvestment in areas that the city is trying so hard to rebuild.

SNAP is a founding member of WABC, and has been a leader in the asset building movement in this state. I support your foreclosure prevention objectives and encourage funders to invest in this project.

Sincerely,

Stephanie Bowman Executive Director Washington Asset Building Coalition

34-025

June 28th, 2012

Consumer Protection Division

State of "Vashington

House of Representatives

Washington State Attorney General's Office 800 Fifth Avenue, Suite 2000 Seattle, Washington 98104-3188


Dear Washington Consumer Foreclosure Remedies Fund Committee:

As a member of the Washington State House of Representatives, I am writing to express my strong support for the Spokane Neighborhood Action Partners (SNAP) application for National Mortgage Settlement funds

SNAP's work in the area of foreclosure prevention for over 25 years has been a valuable contribution to the Spokane area. I would like to support the continued growth and development of that work with resources to build SNAP's capacity to respond to the growing need among homeowners in distress from the current mortgage crisis. This is part of a community-wide effort to reduce preventable foreclosures and their blight impact on neighborhoods.

The foreclosure crisis has hit communities all over the country, and Spokane is no exception. Low income and minority homeowners have been hit the hardest, losing the most valuable asset they will ever own. In Spokane, foreclosures have been concentrated in low income neighborhoods and have increased the problem of low property values, crime and disinvestment in these areas. By significantly decreasing foreclosures in our community SNAP will have a tremendous positive impact on our vulnerable populations and our low income neighborhoods. I applaud your efforts to expand these resources in our community.

SNAP has a history of high impact programming, fiscal efficiency and mission-focused outcomes. Please select SNAP for a National Mortgage Settlement grant.

Sincerely,

Representative Andy Billig 3rd Legislative District- Spokane 25 W. Main Ave Suite 237 Spokane, W A 99204

34-026

Beutler & Associates 41 W. Riverside, Suite 100 Spokane, Washington 99201 Office (509) 323-2100

June 25, 2012

Kerri Rodkey, Director SNAP Financial Stability Services 500 S. Stone Spokane, WA 99202

Dear Kerri:


Spokane is one of the hardest hit areas in Washington in terms of foreclosures, and the foreclosure crisis has had a disproportionate impact on low income and minority homeowners. This strips families of the most valuable asset they will ever own, and penalizes those who have worked hard to build assets and work their way out of poverty. It is also concentrated in low income neighborhoods and exacerbates the problem of low property values, crime and disinvestment in areas that the city is trying so hard to rebuild.

SNAP has a strong reputation in this community as an organization that uses its funding efficiently, creates meaningful outcomes, and stays focused on its mission to create opportunities for low income people. It is an organization that can be trusted to follow through on its promises and use public funds wisely. I encourage you to invest in this organization and its objectives.

Sincerely,

~ Marilyn E. Amato

Broker

2012 President Spokane Association of Realtors

Each Office Is Independently Owned And Operated

34-027

Director LARRY A. WEISER

Office Manager JULIE CLAAR

June 26, 2012

Kerri Rodkey, Director

UNIVERSITY LEGAL ASSISTANCE 721 North Cincinnati Street

P.O. Box 3528 Spokane, Washington 99220-3528

Phone (509) 313-5791 Facsimile (509) 313-5805

TTY (509) 313-3796

SNAP Financial Stability Services 500 S. Stone Spokane, W A 99202

Dear Kerri:

SupelVising Attorneys GEORGE A. CRITCHLOW

RICHARD K. EICHSTAEDT STEPHEN F. FAUST

JENNIFER A. GELLNER GAIL HAMMER

ALAN L. McNEIL TERRENCE V. SAWYER

JAMES P. CONNELLY MARK E. WILSON

Of Counsel

We are writing in support of SNAP's proposal for funding to significantly decrease foreclosures in the Spokane area through outreach, housing counseling, and financial assistance to homeowners in distress.

Spokane is one of the hardest hit areas in Washington in terms of foreclosures, and the foreclosure crisis has had a disproportionate impact on low income and minority homeowners. This strips families of the most valuable asset they will ever own, and penalizes those who have worked hard to build assets and work their way out of poverty. It is also concentrated in low income neighborhoods and exacerbates the problem of low property values, crime and disinvestment in areas that the city is trying so hard to rebuild.

SNAP has a strong reputation in this community as an organization that uses its funding efficiently, creates meaningful outcomes, and stays focused on its mission to create opportunities for low income people. It is an organization that can be trusted to follow through on its promises and use public funds wisely. We encourage you to invest in this organization and its objectives.

Sincerely,

UNIVERSITY LEG~:?S»ANCE

4~--/1;~ ~~~eil "

D~~liniC

Judge Richard B. White (Ret.) Supervising Attorney

ALMltlc

34-028

Attachment 2:

Organizational Chart

34-029

Fil)al)cia,IStability Director

SNAP Executive Team

: '>:; .. ::\~~'"::,r""'~Y~'" ",".- - '" 'Cor:nli1(iBit'{, Action, .

Difector

Project Dev. Coord.

1.17.12

34-030

SNAP Financial Stability Core

34-031

Community Action

34-032

Housing Services

34-033

Mission Support Services

. 5r#~%~!~~~I~~~

Community Relations: Spec.

.-

VISTA·Communicati()ns

(VISTA)

.;

Receptionist

,:,:;":,.:

., "··::~ict{"'£~~~ff; .. ;{,i.: .Qlre.¢t~r,,pif-'J))3

.... : $.lJ;P;~~~~S¥r: '" ...

, .. ;:;;~f:~~~~~%~f:;\\~::il Ad:rillnistrati17e

.' "':~;;-~~!~~~~:~t··:

Admi~i~trative Assistant·

-------J Asset~anagernent

- --"':'

M~rrltenanc~:'and . Jan itoffaF

};:l!~t,0~,;~'~:':_~:' :,

"-.'>'De:ve'I~J~~'~~f;-' "::'Mafla;§:er:~ .'

Volunteer Specialist

34-034

Attachment 3:

Resumes

34-035

617 West 13th Avenue Spokane WA 99204

Julie Honekamp H: (509) 747-1856 c: (509) 995-3426

[email protected] Professional 2011- Spokane Neighborhood Action Partners - SNAP CEO Experience Responsible for day-to-day leadership & oversight of Spokane-based community

action agency operating 30+ programs serving over 47,000 low income individuals a year. Among SNAP's services are affordable housing, foreclosure prevention, downpament assistance & first time homebuyer programs. www.snapwa.org

Education

Community Activities

2007 -2011 2004-2007

1996-2004

1994-1996

1989-1994

2007-

Spokane Neighborhood Action Partners - SNAP Deputy Director

Transitional Programs for Women (Transitions) Executive Director Responsible for leadership, strategic visioning, administrative and programmatic oversight of the nonprofit social service organization Transitions. Transitions operates two transitional housing programs for homeless women (Transitional Living Center and Miryam's House), a day center for homeless women (Women's Hearth) and a licensed childcare center (EduCare). http://www.help4women.com Spokane Neighborhood Action Programs Housing Services Coordinator Responsible for the development, operations and compliance of 350 unit, 12 million dollar multifamily affordable housing portfolio. Responsibilities included financing and construction of affordable shelter, transitional and permanent housing bringing an average of 2 million dollars of capital each year.

Spokane Low Income Housing Consortium Deputy Director

Responsibilities included the provision of technical assistance to member lowincome housing developers, submission of grant applications and proposals for funding, serving as liaison between SLlHC Board of Directors and member agencies. Ms. Honekamp also served in an advocacy role on behalf of SLlHC members at the local, state & national levels.

YFA Connections Community Development Manager Responsibilities included supervision of administrative functions, grant research & writing, program evaluation, special events/fundraising, quarterly newsletter creation, production of annual report and staff to Board of Directors.

Society of Human Resource Mgt. - Senior Professional Human Resources

2003 Spectrum - C3P Certified Low Income Housing Tax Credit Compliance Specialist

1999 National Development Corporation- Housing Development Finance Prof. Cert.

1993 Gonzaga University- M.A. Organizational Leadership

1984 Washington State University - B.A. Public Administration

2012

2009-

2008-11

2006-2005-07 2003-07 2001-04 2001-04 1999-04 1996-98 1994-95

1993-95 1992-94

The Energy Project - Steering Committee Member

Providence Health Care - Board Finance and Strategic Planning Committee

Common Ground - Board Member & Board Secretary

Center For Organizational Reform (COR) - COR Consultant City of Spokane Multifamily Housing Selection Committee - Member Catholic Housing Service of Eastern Washington - Board Member Transitions' Board Governance Committee - Chair & Board Member City of Spokane Plan Commission - Commission Member Sustainable Housing Innovation Partnership - Cofounder & Chairperson Spokane Resource Efficient Affordable Demonstration Home - Cofounder Spokane Fetal Alcohol Awareness Project - Cofounder Washington State Housing Justice Campaign WLlHN - Chairperson Foster Parent Association of Washington State - Board Member & Treasurer 34-036

EXPERIENCE

EDUCATION

KERRI RODKEY

2001 to present Spokane, WA

SNAP Financial Access/Spokane Neighborhood Action Programs

Director • Manages a group of programs within a nonprofit community action

agency designed to help low income people become economically self sufficient. Programs included homeownership and foreclosure prevention, micro-business training, counseling and lending; matched savings accounts for home purchase, education or business; personal financial education; access to financial services; consumer lending, and vehicle repair.

• Developed community partnerships and sources of funding for all programs. Increased annual revenues from $250,000 to over $700,000 in three years. Developed innovative new partnership with two mainstream credit unions to provide banking services for low income and unbanked people. Developed, funded and implemented five revolving loan funds totaling over $1 million.

1990-2001 Spokane, WA

Washington Department of Community, Trade and Economic Development WorkFirst Social Enterprise Program Manager, 2000-2001 • Developed and funded two-year innovative program for employing

TANF recipients in nonprofit businesses.

Economic Development Specialist, 1990-1999 • Provided technical assistance in the development and financing of

business and community projects in 12 eastern Washington counties.

1997-1998 The National Development Council Seattle, WA • Economic Development Finance Professional Certification

1984-1986 University of Wisconsin • Master of Urban and Regional Planning

1975-1984 Eastern Washington University • B.A. Sociology, graduated Magna Cum Laude

Madison, WI

Cheney, WA

34-037

•

• •

• •

• • • •

M.ONlCA:LLOYD 1308N. Sberwoo~~Street. spokane, WA992Ql~tS09)45~t.8282,. [email protected]

LEADERSHIPPRO,FESSIONAL FINANCE· CUSTOMER SERVICE· PROJECT MANAGEMENT

SKILLS / ABILITIES Complex Project • Real Estate /Constimer • Product Marketing and Management Lending , Advertising Financial Analysis ,. New Product Line • Loan Origination Team Management • Strategic Efficiencies Building/Leadership • Strategic Planning • Profit Maximization Employee Development • Production/Project • ' Excellent Oral & Written CUstomer Evaluation Communication Relations/Service • Pipeline Management • Mastery of Hardware & Sales • Inventory Control Software Budget Administration • Recruiting/Human Vendor Relations Resources Sales Training

ACCOMPLIsHME,Nts .... ~ " -' ; )

./ ,COrisistentlyac:hieved and,exc:eeded,sales. projectan.d·customer service,goalsthroughoutcareer .

.(' Achfevf!dand exceededproductioni/oa[s andobje~tives in ,.eal estate department as Manager with STCU. ' "

~, ,., .(' Accomplishedlnpreased,projitabilityby maxiTTlizfni!;ejficiencies,with,STCU .

.(' l,lesponsible for the,daily andsaccessful operati(JniJftwelve Vir;ledlandstorelocations with'volumes of ~p'to$~.5;niillil)n,dpll~s. ' " ,,' " ,

, .(' ,Part;il.e;edw;th.locai,~ealtors andcustomers~to deJei~paverysuccessful,pre~approval p~()gramthat woulddi/ferentiate .the company 'in the marketpl(ice.. ' ,

.(' Developed a t~putatlonasah innl)vative le.tlde~'(Js:aresult ofstroTllJ peppledeve(opment skills, strtitegic'Pla~niiw' a}i,ilitie*Jand,creative pfogfum(j~elopment.

.('~ucc:essftirttac:k reJ~r.d!ofdeveloping effebtive'~cil~~~ir~iri;ngprograms~anditlCreasing,sales vo'lume. ;1 < -. _ ,~":-~-.: __ \>~_.'_-',~~'". ';', . ,~_. " __ -_ .'~--<:,-~>;i._::'-.: : _._'. ';:,' _ . .

.(' Kn..owflfar abililiYlo: mlJstelifWQ'"ateandr~ciiirimendiessential improvements needed for software and hdrdwar~ proBrams. ' '.' .' , .' .

\ , -. - ,

EDUCATION/CREDENTIALS BACHELOR OF ARTS DEGREE Eastern Washington University

Cheney, Washington

34-038

M·O:NICAL.LO·YD ..... :... . . . - - . conUnued (509)456-8282· [email protected]

PROFESSIONALEM:PLOYMENT

. COORDINATOR

- Began caree;r with the company as a Senior Loan and Member Services Officer and grew career into leadership positions as Project Coordinator and then into current position as RealEstate Manager.

- Leadership responsibilities included the management and direction of all loan processing production and sales for STCU loan officers. Supervised up to 10 individuals.

Highlighted· Achi~vements: It[ Consistently achieved and exceeded production and sales. goals as Loan Officer and Manager. It[ Achieved and'exceeded department production goals as Manager. m Implemented cross selling techniques and pipeline management to create a more reliable and accurate

department. It[ As Lending Project Coordinator, successfully implemented and managed introduction of new product

lines 'for the company. .

- Responsible for the day to day operations of a branch including employee supervision, new account management and consumer/mortgage lending.

- Ensured operational integrity and compliance within all levels of branch activity. Supervised, trained and leadall.branch personnel and generated all staffing schedules.

) Highlighted.Achievements: 0' Consistently achieved and exceeded branch goals. It[ Motivated,branch personnel to achieve individual sales goals, as well as actively achieved personal

branch ma.nagernent sales goals.

- ResponSiblefor the operational and fiscal success of twelve store locations with volumes of up to $1.5 million. Highlighted Achievements:

m Recruited, hired and trained sales driven managers and staff. 0' Reviewed -inventory results ant;!. ensured action was taken to correct problems from system errors as

well as from internal and external shrinkage problems. It[ Worked closely with buyers, vendors, sales representatives and corporate management in advertising

and promotional opportunities and campaigns.

GENERAL MANAGER GENERAL MANAGER

ADDITIONAL WORK HISTORY

The GAP Lamonts Clothing Inc.

.Spokane, WA Multiple Locations

1996 to 1997 1985 to 1996

34-039

Christopher Elmer Johnson

Work Experience 1. Spokane Neighborhood Action Partners

3102 W. Fort George Wright Dr. Spokane, W A 99224 Phone: (509)456-7111 x 302 Dates Job Held: 8/01105 - current Accountant III Job Function: Accounting oversight for community loan programs as well as total accounting oversight for the subsidiary corporation, SNAP Financial Access. Accounting for Non-Bank LendinglCDFI for five years, as well as housing, home improvement and business development lending activity.

2. Nordstrom, Inc. 282 W. Main, Ave. Spokane, W A 99201 Phone: (509)455-6111 Date Job Held: 06101/05 - 07/31105 Salesman - Women's Shoes Dept. Job Function: Assisted customers in purchasing shoes during the Anniversary Sale.

3. Waddell & Reed 8817 E. Mission, Ave. Spokane, WA 99212 Phone: (509)924-4700 Dates Job Held: 9/01102 - 0610112005 Financial AdvisorlPlanner Job Function: Conducted retirement, estate, tax, and insurance planning for clientele, and created strategies for effectively addressing these individual issues. Established Traditional IRA, Roth IRA, 403(b), and various other qualified investment accounts, along with taxable investment accounts and 529 college savings programs. Job function also pertained to the writing of various life insurance products from variable universal life to annuity contracts as well as constructing and implementing simple and complex aggregated financial plans for clients.

Education Bachelor of Arts in Accounting, Finance, Economics, and Management, in May 2002, from Carroll College, Helena, MT GPA: 3.85 overall/4.0 in majors.

34-040

Attachment 4:

Marketing Evaluation

Tool (sample)

34-041

30 28 26 24

~ 22 ~ 20 ,~ 18 D.. 16 -g 14 CIS 12 ~ 10 ~ 8 ..J 6

160

140

120

100

60

60

40

20

o

4 2 o

2011 Microenterprise Marketing Status

2011 Micro Inquiries and Loans

175

155

135

115 I/)

95 CI) ';:

75 ::::I C" c

55

35

15

-5

2011 How Learned

_Loans

_Pipeline

- -Inquiries

.Television

cSNAP

.Bank

• Canvassing

c Networking

.CommCIr

• Agency

-Newspaper

o Brochure

o Flyer

_Tax site

• Friend/ram Jan Feb Mar Apr May Jun Jul Aug Sap Oct Nov Dec

34-042

Friend/tam

Tax site Flyer

Brochure

Newspaper Agency

Comm Ctr

Networking Television

Website Canvassing

Bank

SNAP

Unknown/other

Total

In Pipeline

Total loans

SBA loans Green loans

Jobs

StartlExp/En

Jan

20

7

1 13

5 1 8

5 10 8

Fe b M ar A Ipr

23 38 31

2 2 1

14 13 25

12 5 16 60

9 19 9

3 1 11 11 15 9 9 8 13

2011 Marketing Plan

Strategy Tactic Speaking Service groups engagements • Contact Rotary, Lions,

Kiwanis, etc to promote micro program

Associationsl industry groups • Contact to promote micro

program

Internal SNAP • Present Micro program to

internal employee groups Brochure Distribute to key locations distribution • Bankslcredit unions

• Community Centers • County libraries • City libraries

• DOL • Biz SUSCORE • SBDC • World Relief

Active Develop partnerships for partnerships client referrals and

May J un J I A u ug S ep o t N c ov D ec Ttl oa

19 16 14 23 17 16 6 6 229 0

1 1 1 14 1 1 3

1 1 3 7 14 13 22 14 12 15 9 171

1 1 5 2 4 6 4 1 1 45

34 22 15 13 11 3 175 4 5 7 9 9 12 13 15 119

1 1 2 4 5 7 4 8 1 6 57 9 4 7 6 9 3 6 4 93 9 6 9 4 7 2 6 4 85

I ,,~

Results • Rotary presentation - Patrick 4/26 • ARC Family Support conference - Dave 4/30

• Presentation to SCC business class 3/9 - Cara and Patrick • Lending presentation to SCC Entrepreneurs class 3/8 and 3/16 - Dave • SCC business class presentation - Cara and Patrick • Main Street Fair 9/10

• MM article about tv advertising campaign 3/21 • MM article - Wealth Builder - 6/11 Cara

• On-going

• West Plains Chamber - Patrick

34-043

networking opportunities • NW Latino Chamber - Patrick • SCC Center for • Deer Park Chamber - Patrick

Entrepreneurship • Spokane Valley Chamber - Patrick • SBDC • Hillyard Business Assoc - Cara • DSHSIDVR • NE Comm Center Econ Dev committee - - Cara • AHANA • North Monroe Business district - Cara • SNEDA • Garland business district - Cara • NxLevel • East Spokane business district - Dave • Spokane Valley Chamber • World Relief - Greg • Spokane Valley • TINCAN - Greg

Partners • Spokane County libraries - Patrick • Churches • NxLevel participation - Patrick • Health care agencies • SNEDA - Dave • Business associations • SCC- Dave • East Spokane B.D. • AHANA - Dave • Hillyard B.D. • CME- Dave • West Plains Chamber • Launchpad - Dave • Deer Park Chamber • DSHS/DVR - Dave • N. Monroe/ Garland B.D. • Wishing Star - Dave • World Relief • ENSO - Dave

BanklCU contact plan

• Contact key individuals • Number of contacts to date: On-going to promote referrals

Direct Direct contact with potential clients • BRC promoted at Winter 2011 business plan workshop • Canvass business districts • Networking events - NxLevel • City/county library

meetings with public • Offer Business Resource

Center as resource

Media Public service media plan • 06 Invest Northwest - Dave 4/6 • Press releases - identify • KREM interview - Patrick

unique angle of interest to • Hillyard Festival Gazette 6/11 - Cara readers • City Council Connections 11/11 - Dave

Advertising • TV ad campaign began 3/23 • Run TV ads as budget • 2nd

flight begins 9/6 permits

Spokesman/JOB • Lewis and Clark HS PICI article - Dave 4/14 • Press releases • Spokesman article - Cara • Feature unique clients and

NA accomplishments

Newsletters •

Workshops Business plan workshop • Winter workshop - East Central. Jan 19 - Feb 23. 30 participants • Promote loan program • Spring workshop - W. Central Apr 19

during BP workshops • Fall workshop - Ft Wright Sept 8

• Green Workshops • Efficiency loan workshop with SLIP 5/25

• Wealth Builder workshops • Cash flow workshop 6/27 - Cara

• Promote loans during • Investment workshop 6/28 - Cara refugee workshops • Tax workshop 6/29 - Cara

Website Promote micro services • 119 inquiries YTD • Web inquiries from television campaign

.646 page views

.567 unique visitors

.116 questionnaires submitted for business assistance

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500 South Stone Spokane, Washington 99202€¦ · Several other organizations, including the Center for Justice, Northwest Fair Housing Association, and University Legal Services