Credit Counselors

Job Summary

Join our customer's team as a Credit Counselor and empower individuals to achieve financial stability through expert guidance and compassionate support. You will play a critical role in assessing clients’ financial situations, developing actionable debt repayment strategies, and helping clients regain control of their financial futures. This is an opportunity for dedicated professionals passionate about financial literacy and making a real impact in people's lives.

Key Responsibilities

• Calculate clients’ available monthly income to determine their capacity for meeting debt obligations and recommend suitable repayment options.
• Clearly explain debt management program rules, service advantages and disadvantages, creditor concession policies, and potential outcomes to clients.
• Develop customized debt management plans, spending plans, and budgets to guide clients toward their short- and long-term financial goals.
• Prioritize client debt repayment strategies to minimize risks such as bankruptcy, foreclosure, or high interest expenses.
• Conduct comprehensive assessments of clients’ financial situations by reviewing incomes, assets, debts, expenses, credit reports, and other relevant data.
• Maintain accurate records of client interactions, progress, and financial plans while ensuring confidentiality and compliance with relevant regulations.
• Communicate effectively with clients and creditors to negotiate terms and clarify financial options, placing emphasis on clear written and verbal interactions.

Required Skills and Qualifications

• Exceptional written and verbal communication skills, with a strong ability to explain complex financial concepts in accessible terms.
• Demonstrated experience in financial counseling, debt management, or a related field.
• Proficiency in analyzing financial statements, credit reports, and developing comprehensive budgets or repayment plans.
• Strong organizational skills, with the ability to prioritize tasks and manage multiple client cases concurrently.
• Meticulous attention to detail and accuracy in calculations and documentation.
• Empathetic, patient, and committed to client success and privacy.
• Comfortable working independently in a remote environment, with commitment to continuous professional development.

Preferred Qualifications

• Certification in credit counseling, financial planning, or a related area.
• Experience working with a diverse clientele on complex debt issues.
• Familiarity with industry compliance standards and consumer protection regulations.

Key skills/competency

• Financial counseling
• Debt management
• Budgeting
• Communication skills
• Financial analysis
• Client support
• Confidentiality
• Regulatory compliance
• Documentation
• Empathy