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$36

How much do credit counselor jobs pay per hour?

As of Sep 5, 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 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.

What does a credit counselor do?

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.

What skills and qualifications are needed to be a credit counselor?

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 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 do you need to be a credit counselor?

To become a credit counselor, individuals typically need a high school diploma or equivalent, along with relevant training or certification in credit counseling or financial education. Many employers prefer candidates with strong communication skills and knowledge of budgeting, debt management, and financial planning. Certification from organizations like the National Foundation for Credit Counseling (NFCC) can enhance job prospects and credibility.
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Credit Counselor jobs near you
Infographic showing various Credit Counselor job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 83% Full Time, and 16% Part Time. Highlights an 95% Physical, 1% Hybrid, and 4% Remote job distribution, with an average salary of $52,667 per year, or $25.3 per hour.

Credit Counselor

Community Housing Innovations, Inc.

White Plains, NY • On-site

$27.88/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 23 days ago

Community Housing Innovations rating

5.1

Company rating: 5.1 out of 10

Based on 5 frontline employees who took The Breakroom Quiz

Job description

WHO IS CHI?
Community Housing Innovations (CHI) is a not for profit housing and human services organization that aims to support social and economic independence. Our vision is to end generational poverty and foster upward mobility by ensuring that all families and individuals live in quality housing, have a home of their own, and a job to support them. We believe quality, affordable housing is the foundation for prosperity, personal fulfillment, and success.
WHAT DOES CHI OFFER?
CHI employs a team of hard working, compassionate people who want to give back to others in their community. We are proud to offer:
  • Generous Paid time off
  • Personal and Sick Days
  • Health insurance and health reimbursement account
  • Dental and vision plans
  • Flexible spending account
  • AFLAC supplemental insurance
  • Dependent Care Spending Account
  • Commuter Transit and Parking Account
  • Working Advantage, Employee Perks
  • 401(k) retirement plan
  • Life insurance
  • Employee Assistance Program
  • Monthly trainings and career development plans
  • JOB SUMMARY
    The Credit Counselor provides comprehensive financial capability and credit counseling services to individuals and families seeking to improve their credit profile. This position delivers one-on-one counseling, develops individualized financial action plans and provides education on credit management and consumer financial protection.
    The Credit Counselor plays a critical role in helping clients achieve measurable financial outcomes while ensuring compliance with HUD requirements, grant regulations and agency policies. The position also supports community outreach, financial education workshops and partnerships that expand access to financial empowerment services. A critical aspect of this role is maintaining client files in audit-ready condition and accurately documenting all counseling activities in accordance with funding requirements.
    This position is based in White Plains and requires evening and occasional weekend availability, as well as travel throughout CHI's designated service area.
    Pay: $27.88 an hour, $57,990.40 annually
    FLSA: Non Exempt.
    Schedule: 9am to 5pm Monday through Friday. This position requires flexibility which may include evening and weekend availability.
    Location: White Plains NY
    JOB-RELATED DUTIES - ESSENTIAL FUNCTIONS
    These duties are essential and specific to the successful implementation of this position.
  • Demonstrate the ability to effectively manage competing priorities while consistently meeting agency expectations for productivity, client engagement, quality assurance, program outcomes and regulatory compliance.
  • Conduct client intake by gathering and reviewing required documentation.
  • Conduct comprehensive financial capability assessments, including but not limited to:
    • Credit reports and scores
    • Household income and expenses
    • Debt obligations
    • Banking relationships
    • Savings and financial goals
  • Develop individualized Financial Action Plans with measurable goals and strategies to improve clients' financial well-being.
  • Provide one-on-one financial counseling to assist clients with:
    • Credit building and repair
    • Improving credit scores
    • Identity theft prevention
    • Consumer financial protection
  • Educate clients on understanding credit reports, credit scoring models and the factors that impact creditworthiness.
  • Review credit reports and recommend strategies to improve financial stability and mortgage readiness.
  • Monitor client progress through regular follow-up counseling sessions and revise action plans as needed.
  • Assist clients in resolving credit reporting issues and understanding their rights under applicable consumer protection laws.
  • Provide referrals to internal and external community resources when additional services are needed.
  • Maintain detailed case notes and accurate client records within CHI's client management system.
  • Complete HUD Housing Counselor Certification within six months of employment if not already certified.
  • Develop and update financial education curriculum, presentations and educational materials.
  • Collect, review and maintain all required client documentation.
  • Maintain organized electronic and paper client files in compliance with HUD, grant and agency requirements.
  • Ensure all client files remain audit-ready.
  • Enter timely and accurate case notes into CHI's client management system.
  • Track client outcomes, performance measures and program goals.
  • Prepare monthly, quarterly and annual reports as required by management and funding agencies.
  • Maintain confidentiality of all client and agency information.
  • Ensure compliance with HUD regulations, Fair Housing laws, Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA) and all applicable funding requirements.
  • Participate in quality assurance reviews and program monitoring activities.
  • Remain current on industry best practices, financial counseling standards and regulatory changes.
  • Outreach & Community Engagement:
  • Represent CHI at community outreach events, financial education workshops, resource fairs, networking events and partner meetings.
  • Lead engaging in-person and virtual presentations on credit for community organizations, employers, financial institutions and prospective clients.
  • Serve as a confident and effective public speaker, presenting educational workshops and seminars to audiences of varying sizes while facilitating discussion and responding to participant questions in a professional and engaging manner.
  • Build and maintain relationships with financial institutions, nonprofit organizations, employers, government agencies and referral partners.
  • Promote CHI's credit counseling, homeownership and housing retention programs through community engagement and outreach activities.
  • Develop marketing materials designed to increase participation in CHI's programs.
  • Collaborate with internal departments to ensure clients receive comprehensive services and referrals.
  • Travel throughout CHI's designated service area approximately 40-50% of the time for client counseling, community outreach, workshops, presentations, networking events and partner meetings.
  • Evening availability approximately three evenings per month for financial education workshops, homebuyer orientations, seminars and community presentations.
  • Occasional weekend availability required to support outreach events, educational workshops, expos, and agency initiatives.
  • Valid driver's license and reliable personal transportation required. Mileage will be reimbursed in accordance with CHI policy.
  • Other Duties
  • Please note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job. Duties, responsibilities, and activities may change at any time with or without notice.

  • ENTRY LEVEL QUALIFICATIONS AND REQUIREMENTS

Education and Experience:
  • Bachelor's degree in Finance, Business Administration, Human Services, Social Work or a related field preferred.
  • Minimum of two (2) years of experience in financial counseling, credit counseling, banking, housing counseling, or a related field.
  • Knowledge of consumer credit, personal finance, budgeting, debt management, credit reporting and fair lending practices
  • Strong analytical, organizational, and problem-solving skills.
  • Excellent written, verbal, interpersonal and presentation skills.
  • Demonstrated ability to confidently speak in public and lead educational presentations, workshops, seminars, and community meetings both in person and virtually.
  • Ability to communicate complex financial concepts in a clear, engaging, and easy-to-understand manner for audiences with varying levels of financial knowledge.
  • Comfortable presenting to both small and large groups.
  • Ability to build rapport with individuals from diverse backgrounds.
  • Proficiency in Microsoft Office Suite and client management software.
  • Valid driver's license and reliable personal transportation.

Preferred Qualifications:
  • HUD Certified Housing Counselor or ability to obtain certification within six months of employment.
  • Accredited Financial Counselor (AFC®), Certified Credit Counselor (CCC) or comparable financial counseling certification preferred.

Equal Employment Opportunity Employer (EEOE)
Community Housing Innovations, Inc. (CHI) provides equal employment opportunities to all employees and applicants, and prohibits discrimination on the basis of race, color, creed, religion, national origin, citizenship status, age, disability, sex, gender, gender identity or expression, sexual orientation, marital status, partnership status, veteran status, genetic information, or any other status protected by applicable federal, state, or local laws. This commitment applies to recruiting, hiring, placement, promotion, transfer, compensation, training, assignments, benefits, employee activities, termination, access to facilities, and programs, and all other terms and conditions of employment as well as general treatment during employment.

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