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Credit Counselor Jobs (NOW HIRING)

FalconX

Counsel, Credit

New York, NY

$162K - $219K/yr

The Opportunity We are seeking an experienced Credit Counsel to join our legal team as a primary legal advisor to FalconX's credit businesses. In this high-impact role, you will provide strategic ...

Compeer Financial

Prin Credit Officer Risk

Mankato, MN · On-site

Credit Counseling and Loan Servicing * Partners with team members to provide credit counsel and financial solution options for clients. * Determines how to structure credits to meet internal lending ...

Compeer Financial

Prin Credit Officer Risk

Mankato, MN · Hybrid

Credit Counseling and Loan Servicing * Partners with team members to provide credit counsel and financial solution options for clients. * Determines how to structure credits to meet internal lending ...

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How much do credit counselor jobs pay per hour?

As of Jul 26, 2026, the average hourly pay for credit counselor in the United States is $25.32, according to ZipRecruiter salary data. Most workers in this role earn between $22.36 and $26.44 per hour, depending on experience, location, and employer.

What are the key skills and qualifications needed to thrive as a Credit Counselor, and why are they important?

To thrive as a Credit Counselor, you need a solid understanding of personal finance, credit management, and debt resolution, often supported by a relevant degree or financial counseling certification. Familiarity with budgeting software, credit reporting systems, and financial analysis tools is typically required. Strong interpersonal skills, empathy, and effective communication help build trust and guide clients through sensitive financial situations. These skills enable Credit Counselors to provide tailored advice, empower clients to make informed decisions, and foster long-term financial stability.

What are credit counselors?

Credit counselors are financial professionals who help individuals manage their debt, improve their credit, and develop effective budgeting strategies. They typically assess a person's financial situation, provide guidance on managing money, and may assist with creating repayment plans or negotiating with creditors. Credit counselors often work for non-profit organizations and offer educational resources to help clients maintain long-term financial health. Their services can be especially helpful for people facing overwhelming debt or considering bankruptcy.

What is the difference between Credit Counselor vs Debt Counselor?

AspectCredit CounselorDebt Counselor
CredentialsCertified Credit Counselor (e.g., AFCPE, NFCC)Same certifications as Credit Counselor
Work EnvironmentNonprofit agencies, financial institutions, government programsDebt management firms, nonprofit agencies, financial advisory services
Industry UsageCommonly used in credit and financial educationFocused on debt resolution and repayment plans
Search IntentSeeking credit advice, budgeting helpLooking for debt reduction strategies

Both Credit Counselors and Debt Counselors assist clients with financial issues, but Credit Counselors primarily focus on credit education and budgeting, while Debt Counselors specialize in debt management and repayment plans. The roles often overlap, and professionals may hold similar certifications. Understanding these differences helps in choosing the right service for your financial needs.

What Is a Credit Counselor?

A credit counselor helps people with poor credit ratings reduce their debt. As a credit counselor, your duties center on assisting clients resolve financial problems. You are also in charge of helping clients improve their finances. These duties include helping clients develop a debt management plan and strategies to pay off a loan, and negotiating with lenders on behalf of your clients. Credit counselors must be knowledgeable in business and finance and have excellent communication skills. Credit counselors may work for credit agencies or financial consulting firms. You spend much of your time in an office, but occasional travel may be required.

How does a Credit Counselor typically collaborate with clients and other financial professionals to develop effective debt management plans?

Credit Counselors work closely with clients to assess their financial situation, review credit reports, and understand their goals. They often collaborate with creditors, negotiate repayment terms, and may work alongside financial advisors or social service organizations to provide comprehensive support. This role requires strong communication and empathy, as Credit Counselors guide clients through challenging financial situations while coordinating with various stakeholders to ensure the debt management plan is realistic and achievable.
More about Credit Counselor jobs
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Credit Counselor jobs near you
Infographic showing various Credit Counselor job openings in the United States as of July 2026, with employment types broken down into 1% As Needed, 75% Full Time, 20% Part Time, 2% Temporary, and 2% Contract. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $52,667 per year, or $25.3 per hour.
Credit Counselor

Credit Counselor

American Consumer Credit Counseling

Newton, MA • On-site, Remote

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 13 days ago

Job description

American Consumer Credit Counseling is a leading nonprofit agency dedicated to helping individuals and families achieve financial wellness through confidential counseling, debt management programs, and educational resources. With nationwide service delivered online and by phone, our mission is to empower clients to take control of their financial futures.
As a Credit Counselor, you will play a pivotal role in guiding clients toward improved financial health. You will provide personalized support and actionable solutions to help clients manage debt and build better financial habits.
Key responsibilities include:
  • Natural ability to build trust and rapport with clients from various backgrounds.
  • Be empathetic, a good listener, and comfortable having sensitive conversations about personal finances.
  • Ability to connect with people, understand their challenges, and guide them with compassion and clarity toward financial solutions.
  • Answer incoming calls from individuals seeking financial education or credit counseling support.
  • Conduct one-on-one credit counseling sessions with clients via phone by reviewing their budgets and providing personalized recommendations on financial solutions, including debt management programs, bankruptcy options, credit remediation, collections, and credit reporting issues.
  • Deliver financial education, create client budgets, and assist with the enrollment process into ACCC programs.
  • Process consumer applications by accurately entering client information and budget details into internal systems and affiliate databases.
  • Follow up with prospective clients to encourage them to begin or continue the counseling process.
  • Enroll qualified clients into appropriate debt consolidation or financial assistance programs.
  • Verify client-provided information using internal databases and approved information sources to ensure accuracy and compliance.
  • Assess client budgets, income, and debt obligations to identify opportunities for improvement
  • Educate clients on credit reports, credit scores, and strategies for maintaining healthy financial habits
  • Recommend tailored debt management plans and repayment strategies
  • Document client interactions and maintain accurate, confidential records

Requirements
Required Qualifications
  • High School Diploma or equivalent, Associates or Bachelors preferred
  • 1-2 years of experience in credit counseling, financial coaching, or debt management
  • Specialized Knowledge, Licenses, Certifications-NFCC Credit Counselor Certification (to be obtained within the first six months of employment)
  • Experience analyzing client budgets, income, and debt to create actionable repayment plans
  • Experience providing one-on-one counseling or coaching to clients in a confidential setting (phone and/or online)
  • Day-to-day proficiency with Microsoft Excel and Outlook
  • Authorized to work in the United States
  • Availability to work Mon-Thu 2:00-10:00 PM ET and Fri 12:00-8:00 PM ET

Physical Requirements
    • Prolonged sitting at a desk and working on a computer (up to 8+ hours/day)
    • Talking on the phone for extended periods of time
    • Frequent use of hands/fingers for typing and operating a keyboard, mouse, and phone
    • Ability to wear a headset for extended periods
    • Vision sufficient to read computer screens and documents
    • Hearing sufficient to understand customer conversations via phone
    • Occasional walking or standing, depending on office layout or home setup
    • Lifting up to 10-15 lbs., such as small office supplies or materials (optional; depends on setting)
Preferred Qualifications
  • Knowledge of credit reports, credit scoring, and consumer lending
  • Experience educating clients on credit reports, scores, and healthy financial habits
  • Experience recommending debt management plans and repayment strategies
  • Spanish language proficiency
  • Availability to work one Saturday per month

Working Conditions
  • Lifting & Physical Requirements: Employees may need to sit or stand for extended periods during the workday. The role may require occasional reaching, bending, or lifting of materials up to 15 pounds. Proper ergonomics and workspace setup are encouraged to ensure comfort and safety.
  • Work Environment: A quiet, dedicated workspace is required, free from distractions, to effectively perform job duties. Employees must maintain a professional environment for virtual meetings and client calls. Reliable internet access and a functional computer or device are essential for performing job functions.
  • Equipment and Tools: The company provides all necessary equipment, including a computer, phone, headset, and other tools required to perform job duties remotely. Employees are responsible for maintaining a reliable high speed internet connection to ensure smooth performance of job functions.
  • Work Schedule and Availability: Employees must adhere to their designated work hours and be available for scheduled meetings, calls, and tasks, unless time off or schedule adjustments have been approved in advance. Employees are also responsible for keeping their schedule up to date and notifying their supervisor of any changes to their working hours.

Benefits
  • Competitive hourly compensation of $21-$23 plus bonus opportunities
  • Comprehensive health insurance including medical, dental, and vision coverage
  • Medical and dependent Flexible Spending Account (FSA)
  • Short-Term and Long-Term Disability; Life Insurance
  • 401(k) retirement plan with company matching
  • Paid time off and paid holidays
  • Remote work flexibility
  • Professional development and training opportunities
  • Supportive team environment and mission-driven culture

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