Credit Counselor

WHO IS CHI?

Community Housing Innovations (CHI) is a not for profit housing and human services organization that aims to support social and economic independence. Our vision is to end generational poverty and foster upward mobility by ensuring that all families and individuals live in quality housing, have a home of their own, and a job to support them. We believe quality, affordable housing is the foundation for prosperity, personal fulfillment, and success.

Community Housing Innovations (CHI) is a not for profit housing and human services organization that aims to support social and economic independence. Our vision is to end generational poverty and foster upward mobility by ensuring that all families and individuals live in quality housing, have a home of their own, and a job to support them. We believe quality, affordable housing is the foundation for prosperity, personal fulfillment, and success.

CHI Employs a Team Of Hard Working, Compassionate People Who Want To Give Back To Others In Their Community. We Are Proud To Offer

• Generous Paid time off
• Personal and Sick Days
• Health insurance and health reimbursement account
• Dental and vision plans
• Flexible spending account
• AFLAC supplemental insurance
• Dependent Care Spending Account
• Commuter Transit and Parking Account
• Working Advantage, Employee Perks
• 401(k) retirement plan
• Life insurance
• Employee Assistance Program
• Monthly trainings and career development plans

The Credit Counselor provides comprehensive financial capability and credit counseling services to individuals and families seeking to improve their credit profile. This position delivers one-on-one counseling, develops individualized financial action plans and provides education on credit management and consumer financial protection.

The Credit Counselor plays a critical role in helping clients achieve measurable financial outcomes while ensuring compliance with HUD requirements, grant regulations and agency policies. The position also supports community outreach, financial education workshops and partnerships that expand access to financial empowerment services. A critical aspect of this role is maintaining client files in audit-ready condition and accurately documenting all counseling activities in accordance with funding requirements.

This position is based in White Plains and requires evening and occasional weekend availability, as well as travel throughout CHI's designated service area.

Pay: $27.88 an hour, $57,990.40 annually

FLSA:
Non Exempt.

Schedule: 9am to 5pm Monday through Friday. This position requires flexibility which may include evening and weekend availability.

Location:
White Plains NY

These duties are essential and specific to the successful implementation of this position.

• Demonstrate the ability to effectively manage competing priorities while consistently meeting agency expectations for productivity, client engagement, quality assurance, program outcomes and regulatory compliance.
• Conduct client intake by gathering and reviewing required documentation.
• Conduct comprehensive financial capability assessments, including but not limited to:
• Credit reports and scores
• Household income and expenses
• Debt obligations
• Banking relationships
• Savings and financial goals
• Develop individualized Financial Action Plans with measurable goals and strategies to improve clients' financial well-being.
• Provide one-on-one financial counseling to assist clients with:
• Credit building and repair
• Improving credit scores
• Identity theft prevention
• Consumer financial protection
• Educate clients on understanding credit reports, credit scoring models and the factors that impact creditworthiness.
• Review credit reports and recommend strategies to improve financial stability and mortgage readiness.
• Monitor client progress through regular follow-up counseling sessions and revise action plans as needed.
• Assist clients in resolving credit reporting issues and understanding their rights under applicable consumer protection laws.
• Provide referrals to internal and external community resources when additional services are needed.
• Maintain detailed case notes and accurate client records within CHI's client management system.
• Complete HUD Housing Counselor Certification within six months of employment if not already certified.
• Develop and update financial education curriculum, presentations and educational materials.
• Collect, review and maintain all required client documentation.
• Maintain…