Consumer Loan Officer

Alternatives Federal Credit Union • Ithaca, NY

2d • Onsite

About The Position

Alternatives FCU is seeking a Consumer Loan Officer to join our Lending Team. Alternatives is a Community Development Financial Institution (CDFI) credit union serving Tompkins and surrounding counties, and is proud to find solutions for those left behind by the mainstream financial institutions. CDFIs share a common goal of expanding economic opportunity in low-income communities by providing access to fair financial products and services for local residents and businesses. At Alternatives FCU, our mission is to help build and protect wealth for people with diverse identities who have been historically marginalized by the financial industry; especially those with low wealth or who identify as Black, Indigenous, or People of Color (BIPOC). This mission is rooted in a deep commitment to equity and justice. The Consumer Loan Officer serves as a trusted financial partner, helping members access responsible lending solutions while building long-term financial wellness. This role combines education, coaching, and consumer lending expertise to empower members to achieve greater financial stability, overcome barriers to credit access, and work toward their personal and financial goals. The Consumer Loan Officer is responsible for underwriting and processing consumer loans in accordance with credit union policies and regulatory requirements while maintaining a strong commitment to member service, financial inclusion, and community impact. Strong technical expertise in loan underwriting, credit analysis, and loan processing will be prioritized, along with the ability to manage detailed documentation, ensure regulatory compliance, and maintain audit-ready loan files.

Requirements

• Strong technical expertise in loan underwriting.
• Strong technical expertise in credit analysis.
• Strong technical expertise in loan processing.
• Ability to manage detailed documentation.
• Ability to ensure regulatory compliance.
• Ability to maintain audit-ready loan files.

Nice To Haves

• Exposure working or volunteering with social justice organizations, community development groups, CDFIs, or other organizations supporting our target market, including low income and BIPOC communities.
• 2-5 years lending experience

Responsibilities

• Underwriting and processing consumer loans in accordance with credit union policies and regulatory requirements.
• Maintaining a strong commitment to member service, financial inclusion, and community impact.
• Managing detailed documentation.
• Ensuring regulatory compliance.
• Maintaining audit-ready loan files.

What This Job Offers

• Job Type: Full-time
• Career Level: Mid Level
• Education Level: No Education Listed