Credit Counselor

American Consumer Credit Counseling

5d•Remote

About The Position

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.

Requirements

High School Diploma or equivalent, Associates or Bachelors preferred
1–2 years of experience in credit counseling, financial coaching, or debt management
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

Nice To Haves

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

Responsibilities

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