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About the Role

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 role is critical 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.

Responsibilities

Conduct client intake by gathering and reviewing required documentation.
Conduct comprehensive financial capability assessments, including credit reports and scores, household income and expenses, debt obligations, banking relationships, and 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, and 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 regulations, Fair Housing laws, Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), and all applicable funding requirements.
Participate in quality assurance reviews and program monitoring activities.
Remain current on industry best practices, financial counseling standards, and regulatory changes.
Represent CHI at community outreach events, financial education workshops, resource fairs, networking events, and partner meetings.
Lead engaging in-person and virtual presentations on credit for community organizations, employers, financial institutions, and prospective clients.
Serve as a confident and effective public speaker, presenting educational workshops and seminars to audiences of varying sizes while facilitating discussion and responding to participant questions in a professional and engaging manner.
Build and maintain relationships with financial institutions, nonprofit organizations, employers, government agencies, and referral partners.
Promote CHI's credit counseling, homeownership, and housing retention programs through community engagement and outreach activities.
Develop marketing materials designed to increase participation in CHI's programs.
Collaborate with internal departments to ensure clients receive comprehensive services and referrals.
Travel throughout CHI's designated service area approximately 40–50% of the time for client counseling, community outreach, workshops, presentations, networking events, and partner meetings.
Evening availability approximately three evenings per month for financial education workshops, homebuyer orientations, seminars, and community presentations.
Occasional weekend availability required to support outreach events, educational workshops, expos, and agency initiatives.
Maintain a valid driver's license and reliable personal transportation.
Mileage will be reimbursed in accordance with CHI policy.

Requirements

Minimum of two (2) years of experience in financial counseling, credit counseling, banking, housing counseling, or a related field.
Knowledge of consumer credit, personal finance, budgeting, debt management, credit reporting, and fair lending practices.
Strong analytical, organizational, and problem-solving skills.
Excellent written, verbal, interpersonal, and presentation skills.
Demonstrated ability to confidently speak in public and lead educational presentations, workshops, seminars, and community meetings both in person and virtually.
Ability to communicate complex financial concepts in a clear, engaging, and easy-to-understand manner for audiences with varying levels of financial knowledge.
Comfortable presenting to both small and large groups.
Ability to build rapport with individuals from diverse backgrounds.
Proficiency in Microsoft Office Suite and client management software.
Valid driver's license and reliable personal transportation required.
HUD Certified Housing Counselor or ability to obtain certification within six months of employment.
Accredited Financial Counselor (AFC®), Certified Credit Counselor (CCC) or comparable financial counseling certification preferred.

Skills

Financial capability and credit counseling
Credit management
Consumer financial protection
Client file maintenance
Community outreach
Financial education workshops
Partnership development
Public speaking
Presentation skills
Microsoft Office Suite
Client management software

Location

White Plains, NY

Work Type

Full Time
Hybrid

Experience Level

Entry Level

Education Level

Bachelor’s degree in Finance, Business Administration, Human Services, Social Work or a related field preferred.

Salary/Compensations

$27.88 - $57,990.40 Hourly

Benefits

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

About the Company

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.

Equal Opportunity

Community Housing Innovations, Inc. (CHI) provides equal employment opportunities to all employees and applicants, and prohibits discrimination on the basis of race, color, creed, religion, national origin, citizenship status, age, disability, sex, gender, gender identity or expression, sexual orientation, marital status, partnership status, veteran status, genetic information, or any other status protected by applicable federal, state, or local laws.
This commitment applies to recruiting, hiring, placement, promotion, transfer, compensation, training, assignments, benefits, employee activities, termination, access to facilities, and programs, and all other terms and conditions of employment as well as general treatment during employment.