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.

WHAT DOES CHI OFFER?

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 accountAFLAC 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 plansJOB SUMMARY: 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 annuallyFLSA:
Non Exempt.

Schedule:

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

Location:

White Plains NYJOB-RELATED DUTIES – ESSENTIAL FUNCTIONS 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 organized electronic and paper client files in compliance with HUD, grant and agency requirements.

Ensure all client files remain audit-ready.

Enter timely and accurate case notes into CHI's client management system.

Track client outcomes, performance measures and program goals.

Prepare monthly, quarterly and annual reports as required by management and funding agencies.

Maintain confidentiality of all client and agency information.

Ensure compliance with HUD…