Consumer Loan Officer

Alternatives Federal Credit Union; Town of Ithaca (NY); On-site; USD 37,000 - 44,000; Full time

Job summary

Alternatives FCU in Ithaca, NY is seeking a Consumer Loan Officer to join our Lending Team. This in-office role focuses on underwriting and processing consumer loans while delivering trusted financial guidance to members in a community-focused credit union.

We prioritize financial inclusion and equity, with 2–5 years lending experience preferred and a commitment to audit-ready documentation and regulatory compliance. This full-time position offers in-office work at the Ithaca Branch.

Qualifications

• 2–5 years lending experience preferred.
• Underwriting and processing of consumer loans in line with policies and regulatory requirements.
• Commitment to member service, financial inclusion, and community impact.

Responsibilities

• Underwrite and process consumer loans.
• Maintain audit-ready loan files and documentation.
• Provide financial coaching to members to improve financial wellness.
• Collaborate with Ithaca Branch and Lending Team.

Skills

Lending knowledge

Credit analysis

Customer service

Job description

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. 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 is a plus. This is a full-time, in-office position at the Ithaca Branch. 2-5 years lending experience strongly preferred.

We believe that lasting impact starts from within. That's why we strive to cultivate a team that reflects the communities we serve; diverse in race, ethnicity, gender identity, sexual orientation, ability, socioeconomic background, and lived experience. We actively seek out candidates who bring a range of perspectives and are committed to challenging systemic inequities in financial systems.

We are proud to be an equal opportunity employer and strongly encourage applications from people who are BIPOC, women, LGBTQIA+, people with disabilities, and members of other historically excluded communities.

Salary: $27.58 - $31.56 per hour