Credit Counselor

Job Title: Credit CounselorReports To: Homeownership Program ManagerDepartment/Program: Homeownership & Housing RetentionFLSA Status: Exempt________________________________________Job 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.________________________________________Key Responsibilities: 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: o Credit reports and scores o Household income and expenses o Debt obligations o Banking relationships o 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: o Credit building and repair o Improving credit scores o Identity theft prevention o 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. ________________________________________Outreach & Community Engagement: Represent CH