Consumer Loan Officer

We need to output HTML fragment with sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. Only include sections that have real specific content. We must not repeat job title. Must not include Job ID etc. Remove boilerplate. Must preserve all substantive info. Let's parse the posting: - Alternatives FCU is seeking a Consumer Loan Officer to join our Lending Team. - Alternatives is a CDFI credit union serving Tompkins and surrounding counties, proud to find solutions for those left behind by 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, mission: help build and protect wealth for people with diverse identities historically marginalized by financial industry; especially those with low wealth or who identify as BIPOC. Mission rooted in 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. - We know that not everyone checks every box, and that's okay. If you're excited about this role and our mission, we encourage you to apply, even if your experience doesn't align perfectly. - We are passionate about financial justice and bringing equity to wealth-building systems and we invite you to join us! - Compensation for this position is expected to be 27.58-31.56 per hour. We need to produce sections: About the role, Responsibilities, Requirements, Qualifications, Skills, Benefits, Pay, Schedule. We need to decide which sections have content. - About the role: could include description of role, mission, etc. We have description of role: "The Consumer Loan Officer serves as a trusted financial partner..." etc. Also mission statements. So we can put that under About the role. - Responsibilities: underwriting and processing consumer loans, ensuring compliance, managing documentation, maintaining audit-ready files, member service, financial inclusion, community impact. Also education, coaching, consumer lending expertise to empower members. So we can list responsibilities. - Requirements: 2-5 years lending experience strongly preferred. Also maybe exposure to social justice orgs is a plus (but that's more qualification/skill). Also full-time in-office at Ithaca Branch (maybe schedule). Also maybe "Strong technical expertise in loan underwriting, credit analysis, and loan processing will be prioritized" could be a skill or requirement. - Qualifications: maybe exposure to social justice organizations, community development groups, CDFIs, etc. Also mission alignment, commitment to equity, etc. - Skills: technical expertise in loan underwriting, credit analysis, loan processing; ability to manage detailed documentation; ensure regulatory compliance; maintain audit-ready loan files; education, coaching; consumer lending expertise. - Benefits: Not mentioned explicitly. No benefits listed. So we should NOT create Benefits section. - Pay: Compensation expected to be 27.58-31.56 per hour. So we can include Pay section with that. - Schedule: Full-time, in-office position at the Ithaca Branch. So we can include Schedule section with that. We must not include sections with filler like "commensurate with experience". We have actual pay and schedule. We must not repeat job title as heading. So no h2 for title. We must output only HTML fragment, no /. Use

for section headings. Use

• for any list of duties/requirements/benefits. Use

  for prose. We need to preserve all substantive information; do not invent or summarize away detail. So we need to include all details from posting, but we can organize them into sections. Must not omit any substantive info. Let's list all substantive info: - 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. - We know that not everyone checks every box, and that's okay. If you're excited about this role and our mission, we encourage you to apply, even if your experience doesn't align perfectly. - We are passionate about financial justice and bringing equity to wealth-building systems and we invite you to join us! - Compensation for this position is expected to be 27.58-31.56 per hour. We need to exclude boilerplate: cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions. The equal opportunity employer statement is likely considered EEO boilerplate; we should remove it. Also statements about encouraging applications from BIPOC etc might be considered EEO? The instruction says remove EEO/equal-opportunity boilerplate. So we should remove the paragraph: "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." Also maybe the earlier diversity statement: "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." That's also about diversity but not exactly EEO boilerplate; it's more about team composition. Might be okay to keep? It's not explicitly EEO but it's about diversity. The instruction says remove EEO/equal-opportunity boilerplate. The diversity statement could be considered part of that but it's not a standard EEO statement. However it's about cultivating a diverse team. Might be considered part of EEO. Safer to remove? The instruction: "Remove cookie/navigation/legal/EEO/equal-opportunity/scam-warning boilerplate, duplicated lines, and application instructions." So we should remove any EEO/equal-opportunity boilerplate. The diversity statement is about cultivating a team that reflects communities; that's not exactly EEO but could be considered part of equal opportunity. I'd lean to remove it to be safe. Also the statement "We actively seek out candidates who bring a range of perspectives and are committed to challenging systemic inequities in financial systems." That's also about diversity and inclusion; could be considered EEO. Might be safer to remove those as well. However we need to preserve ALL substantive information; removing those might be considered removing substantive info about their commitment to diversity. But the instruction explicitly says to remove EEO/equal-opportunity boilerplate. So we must remove those statements. We'll keep the mission statement about helping build wealth for marginalized groups, as that is core to role, not just EEO. Thus we will remove: - "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." - "We know that not everyone checks every box, and that's okay. If you're excited about this role and our mission, we encourage you to apply, even if your experience doesn't align perfectly." - "We are passionate about financial justice and bringing equity to wealth-building systems and we invite you to join us!" (maybe that's also motivational but not EEO; it's about mission. Could keep? It's more of a closing motivational line. Might be considered substantive? It's not essential details but it's part of posting. The instruction says preserve ALL substantive information; do NOT invent or summarize away detail. This line is substantive? It's more fluff. Might be okay to keep but it's not critical. However it's not EEO. I'd keep it as part of About the role maybe. But we need to be careful not to include application instructions. The line "If you're excited about this role and our mission, we encourage you to apply, even if your experience doesn't align perfectly." is an application instruction (encouraging to apply). So remove that. Also "We know that not everyone checks every box, and that's okay." is also encouraging to apply; remove. Thus we will keep: - 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