Name: Emily Chandler
About me: I’m the lending manager at Element Federal Credit Union. I have been here for almost 13 years now. I oversee the lending department and also help with other tasks when needed.
Outside of work, I just recently got engaged last year. I live with my fiance, Nathan, and our 12-year-old, Addy. Not to forget our little dog, Millie Mae who is now almost 3 years old.
What keeps me motivated: Just helping and hearing that we do make a difference in peoples lives keeps me motivated. I hear past members always talking about how we have affected their lives and it’s a great feeling. There are good and bad days, but the good always outweigh the bad days.
Favorite thing about West Virginia: I’m huge on being outdoors. I love to go camping, hiking and boating.
Recommended thing to do in West Virginia: To check out Fayetteville, and Greenbrier County or check out outdoor music festivals.
Q: What makes our culture unique and how do we protect that?
A: “We are very relaxed and laid back. We want for our members to feel comfortable and build a relationship with us. We make friends with members and friendships. We have laughed with our members and cried with our members. We just really care.”
Q: What’s the best thing about lending with Element?
A: “Helping the members. Sometimes it’s as simple as getting a new car or getting a loan that may help or change their lives. That’s what makes me happy. I’ve personally worked with members on building their credit, and I’ve watched them go from getting a car and then onto buying a house. It just takes time. Their credit scores positively impacted their insurance, so they began getting better rates on that! I love seeing how our actions and guidance has helped them.”
Q: What’s the best advice you can gave someone looking to build credit or applying for their first loan?
A: “I would say if they don’t have already have credit, consider a secured Mastercard or line of credit. Either of these would help to build their credit. If they have been a member with the credit union for a while, and they have a checking with direct deposit, we could look at doing an auto loan for a small amount and watch them build that relationship and establish credit. When we help them rebuild credit, we help them look at where they should start and get them back on the road.”
Q: Describe a time you have gone above and beyond for a member.
A: “I have actually left here one evening after closing and delivered a debit card to a member. I have stopped at car lots on my way home and dropped off checks and had them sign the papers there.”