Credit Counselor

American Consumer Credit Counseling; United States; Remote; USD 29,000 - 32,000; Full time

Benefits offered by this job

Remote work flexibility

Competitive hourly compensation

Health insurance

401(k) retirement plan with company‑m?

Paid time off

Paid holidays

Professional development

Supportive team culture

Job summary

American Consumer Credit Counseling is seeking a Credit Counselor to guide clients toward improved financial health. You will provide personalized support and actionable solutions to help clients manage debt and build better financial habits.

In this role, you will conduct one-on-one sessions, review budgets, enroll clients in ACCC programs, and educate on credit reports and scores, all while maintaining confidential records and compliant practices.

Qualifications

• High School diploma or equivalent; associates or bachelor's preferred.
• 1–2 years of credit counseling or financial coaching experience.
• NFCC Credit Counselor Certification to be obtained within six months.
• Proficiency with Excel and Outlook; data entry accuracy.
• Authorized to work in the United States; ability to work evenings.
• Experience counseling clients confidentially via phone/online.

Responsibilities

• Answer incoming calls seeking financial education or credit counseling.
• Conduct one-on-one credit counseling sessions via phone; review budgets and provide recommendations.
• Educate clients on credit reports and scores and consent to repayment strategies.
• Enroll qualified clients into debt management or financial assistance programs.
• Process applications, enter client data, and maintain confidential records.
• Follow up with prospects to start or continue counseling.
• Assess budgets and debt to identify opportunities for improvement.
• Document client interactions accurately and comply with internal standards.

Skills

Rapport building

Active listening

Sensitive conversations

Empathy

Phone counseling

Budget analysis

Credit education

Data entry

Documentation

Education

High School Diploma

Associates or Bachelors preferred

Tools

Microsoft Excel

Outlook

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

• 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

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 changes to their working hours.
• 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