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Entry Level Credit Counselor Jobs (NOW HIRING)

U.S. Army

Entry Level Mechanic

Deptford, NJ · Remote

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Mechanic

Hackettstown, NJ · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Mechanic

Philadelphia, PA · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Mechanic

Toms River, NJ · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Mechanic

Chester, PA · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Combat Engineer

Tinton Falls, NJ · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

U.S. Army

Entry Level Combat Engineer

Upper Darby, PA · On-site

$24K - $30K/yr

S. Army offers counseling, therapy, and other mental health resources. * Specialized Medical ... In addition, you must meet your lender's credit score and income criteria. For more information ...

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Entry Level Credit Counselor information

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How much do entry level credit counselor jobs pay per hour?

As of Aug 16, 2026, the average hourly pay for entry level 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 an entry level credit counselor?

To thrive as an Entry Level Credit Counselor, you typically need a background in finance or related fields, strong numerical literacy, and familiarity with credit and debt management principles. Knowledge of financial management software, Microsoft Office Suite, and sometimes certification from organizations like the National Foundation for Credit Counseling (NFCC) is helpful. Outstanding interpersonal skills, active listening, and the ability to explain complex financial concepts clearly help build trust with clients. These skills are crucial for effectively guiding individuals toward financial stability and delivering high-quality, ethical counseling services.

What certification do you need to be an entry level credit counselor?

Entry-level credit counselors typically do not require specific certifications to start, but obtaining certifications such as the Certified Credit Counselor (CCC) from the National Foundation for Credit Counseling (NFCC) can enhance job prospects and credibility. Strong communication skills and knowledge of financial principles are also important for this role.

What is the difference between Entry Level Credit Counselor vs Credit Analyst?

AspectEntry Level Credit CounselorCredit Analyst
Required CredentialsHigh school diploma or equivalent; some roles may prefer certification like NFCCBachelor's degree in finance, accounting, or related field; certifications like CFA are common
Work EnvironmentNon-profit or financial counseling agencies; client-facingFinancial institutions, corporate settings; analytical and office-based
Employer & Industry UsageCredit counseling agencies, banks, non-profitsBanks, investment firms, credit bureaus
Common Search & Comparison IntentUnderstanding entry-level roles in credit counselingAnalyzing credit data for lending decisions

Entry Level Credit Counselors typically focus on advising clients on debt management and financial education, often working in non-profit or counseling settings. Credit Analysts evaluate credit data to assess risk for lending, usually in financial institutions. While both roles involve credit, they differ in responsibilities, work environment, and required credentials.

What are some common challenges faced by entry level credit counselors, and how can they overcome them?

Entry-level credit counselors often encounter challenges such as handling clients in stressful financial situations and navigating complex credit regulations. Building strong communication and empathy skills is essential, as many clients may feel anxious or embarrassed about their finances. New counselors can benefit from mentorship programs, ongoing training, and collaboration with more experienced colleagues to effectively address client needs and comply with industry standards. Over time, gaining experience with a variety of cases helps counselors become more confident in offering tailored financial advice and solutions.

What does an entry level credit counselor do?

An entry level credit counselor helps individuals manage their personal finances, especially regarding debt and credit issues. They assess clients’ financial situations, provide advice on budgeting, and offer solutions for repaying debts. These counselors often work with clients to create realistic plans for managing money and improving credit scores. They may also educate clients about credit reports, debt consolidation, and financial planning. Entry level positions usually involve working under supervision as counselors gain experience.
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Entry Level Credit Counselor jobs near you
Infographic showing various Entry Level Credit Counselor job openings in the United States as of August 2026, with employment types broken down into 1% Internship, 82% Full Time, 16% Part Time, and 1% Contract. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $52,667 per year, or $25.3 per hour.

Licensed Professional Mental Health Counselor

SD Department of Veterans Affairs

Lakeland, FL • On-site

$61K/yr

Full-time

Re-posted 10 days ago

Job description

This position is eligible for the Education Debt Reduction Program (EDRP), a student loan payment reimbursement program. You must meet specific eligibility requirements per VHA policy and submit your EDRP application within four months of appointment. Program Approval, award amount (up to $200,000) & eligibility period (one to five years) are determined by the VHA Education Loan Repayment Services program office after review of the EDRP application. Former EDRP participants ineligible to apply.Qualifications:Applicants pending the completion of educational or certification/licensure requirements may be referred and tentatively selected but may not be hired until all requirements are met.
Basic Requirements:
  • United States Citizenship: Be a citizen of the United States. (Non-citizens may be appointed when it is not possible to recruit qualified citizens in accordance with VA Handbook 5005, Part II, Chapter 3, Section A, paragraph 3.g.)
  • English Language Proficiency: You must be proficient in spoken and written English in accordance with VA Handbook 5005, Part II, chapter 3, section A, paragraph 3.j
  • Education: Hold a master's or doctoral degree in: Clinical Mental Health Counseling; Clinical Rehabilitation Counseling; Clinical Mental Health Counseling and Clinical Rehabilitation Counseling; or a related field, from a program accredited by the Council on Accreditation of Counseling and Related Educational Programs (CACREP). Examples of related mental health counseling fields include, but are not limited to Addiction Counseling; Community Counseling; Gerontology Counseling; Marital, Couple, and Family Counseling. CACREP defines the date when graduates are considered to have graduated from a CACREP accredited program. Additional information may be obtained from http://www.cacrep.org/directory/. NOTE: Traditional Rehabilitation counseling programs that are accredited by CACREP do not meet the LPMHC qualification standards as Traditional Rehabilitation counseling differs from Clinical Rehabilitation counseling
  • Licensure: Must hold a full, current, and unrestricted license to independently practice as a Licensed Professional Mental Health Counselor, which includes diagnosis and treatment.
    • For assignments at the GS-9 level, VHA may waive the licensure requirement for persons who are otherwise qualified, pending completion of state prerequisites for licensure. The appointing official may waive the requirement of licensure for a period not to exceed 3 years for a LPMHC that provides care under the clinical supervision of a licensed LPMHC who is at or above the full performance level.

May qualify based on being covered by the Grandfathering Provision as described in the VA Qualification Standard for this occupation (only applicable to current VHA employees who are in this occupation and meet the criteria).
Grade Determinations: In addition to the basic requirements for employment, the following criteria must be met when determining the grade of candidates.
Licensed Professional Mental Health Counselor, GS-9 (Entry Level)
  • Experience, Education, and Licensure. The GS-9 grade level is the entry grade level for LPMHCs with less than one year of experience (post-master's degree) or for LPMHCs (at the master's or doctoral level) who are graduates not yet licensed at the independent practice level. Unlicensed LPMHCs at the GS-9 grade level have completed the required education listed in paragraph 3.b., and are working toward completion of prerequisites for licensure.

Licensed Professional Mental Health Counselor, GS-11 (Full Performance Level)
  • Experience, Education, and Licensure. Candidates must have at least one year of post-master's or post-doctoral degree mental health counseling experience (VA or non-VA experience) and must be licensed to practice at the independent practice level.

While we no longer require essay-style responses to our Knowledge's Skills, Abilities, and Other Characteristics (KSAOs), you must be able to demonstrate that you possess the (below) competencies which are necessary to perform the work of the position. Please ensure your resume/CV/application contains sufficient information to support the level of experience/education/training; otherwise, we will not be able to award you credit for the experience/education/training you claim. These are the KSA's for this subject position:
GS-9 Knowledge, Skills, and Abilities:
  1. Ability to engage in intake and assessment, problem identification, diagnosis, treatment planning and implementation, continuum of care, evaluation and follow-up.
  2. Knowledge of current Diagnostic and Statistical Manual (DSM) of Mental Disorders in formulation of treatment goals and application of appropriate clinical interventions using professional counseling practices.
  3. Basic knowledge of professional counseling practice with emphasis on human development principles through cognitive, affective, behavioral or systemic interventions, and strategies that address high risk behaviors, wellness, personal growth, and career development across the life span.
  4. Ability to use a wide variety of individual, group, or family counseling interventions.
  5. Ability to serve on an interdisciplinary team with focus on the intrapersonal, interpersonal, and relational functioning of individuals, groups and families and on the counseling approaches, strategies, and techniques that will best help patients function effectively.
  6. Basic skill in the use of computer software applications for drafting documents, data management, maintaining accurate, timely and thorough clinical documentation and delivery of services, such as Telehealth.
  7. Ability to learn and utilize software programs in use by VHA.
  8. Knowledge and understanding of existing relevant statutes, case laws, ethical codes, and regulations affecting professional practice of counseling.
  9. Ability to communicate effectively, both orally and in writing, with people from varied backgrounds.

GS-11 Knowledge, Skills, and Abilities:
  1. Ability to make professional evaluations, decisions, and recommendation for treatment planning and implementation.
  2. Advanced knowledge and mastery of the fundamentals of the counseling process which includes defining patient/family problems and maintaining an effective counseling relationship.
  3. Ability to provide subject matter consultation to colleagues and trainees on the counseling process within various specialty areas, build on the foundation of competence through regular meetings and discussions to explain assignments, review progress of cases and confer about the counseling perspectives and orientation.
  4. Ability to provide complex crisis intervention and stabilization to patients who are in psychological distress. Requires independent judgment and skill.
  5. Ability to establish goals/treatment through a collaborative process with the patient utilizing advanced counseling skills, including evidenced- based practices, screening, and psychosocial assessment.
  6. Ability to use a wide variety of individual, group, or family counseling interventions.
  7. Ability to fully utilize the current DSM in making diagnoses and formulation of treatment goals and application of appropriate clinical intervention using professional counseling practices.
  8. Ability to develop and facilitate psychotherapy and psycho- education groups that include life skills, family support, and community integration. This may include evidence based psychotherapy.

Reference: For more information on this qualification standard, please visit https://www.va.gov/ohrm/QualificationStandards/.
The full performance level of this vacancy is GS-11. The actual grade at which an applicant may be selected for this vacancy is in the range of GS-9 to GS-11.
Physical Requirements: Physical aspects associated with work required of this assignment are typical for the occupation, see Duties section for essential job duties of the position. May require standing, lifting, carrying, sitting, stooping, bending, pulling, and pushing. May be required to wear personal protective equipment and undergo annual TB screening or testing as conditions of employment. Work is performed in an office/clinic setting with minimal risks that requires normal safety precautions; the area is adequately lighted, heated, and ventilated. However, the work environment requires someone with the ability to handle several tasks at once in sometimes stressful situations.Education:Hold a master's or doctoral degree in: Clinical Mental Health Counseling; Clinical Rehabilitation Counseling; Clinical Mental Health Counseling and Clinical Rehabilitation Counseling; or a related field, from a program accredited by the Council on Accreditation of Counseling and Related Educational Programs (CACREP). Examples of related mental health counseling fields include, but are not limited to Addiction Counseling; Community Counseling; Gerontology Counseling; Marital, Couple, and Family Counseling. CACREP defines the date when graduates are considered to have graduated from a CACREP accredited program. Additional information may be obtained from http://www.cacrep.org/directory/. NOTE: Traditional Rehabilitation counseling programs that are accredited by CACREP do not meet the LPMHC qualification standards as Traditional Rehabilitation counseling differs from Clinical Rehabilitation counseling.
Note: Only education or degrees recognized by the U.S. Department of Education from accredited colleges, universities, schools, or institutions may be used to qualify for Federal employment. You can verify your education here: http://ope.ed.gov/accreditation/. If you are using foreign education to meet qualification requirements, you must send a Certificate of Foreign Equivalency with your transcript in order to receive credit for that education. For further information, visit: https://sites.ed.gov/international/recognition-of-foreign-qualifications/.Employment Type: OTHER

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