Credit Counselor

Accredited Financial Counselor, Certified Consumer Credit and Housing Counselor, Certified Credit and Housing Counselor, Certified Credit Consultant, Certified Credit Counselor, Credit Counselor, Financial Health Counselor, Housing Counselor, Personal Finance Counselor

Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.

• Calculate clients' available monthly income to meet debt obligations.
• Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
• Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
• Prioritize client debt repayment to avoid dire consequences, such as bankruptcy or foreclosure or to reduce overall costs, such as by paying high-interest or short-term loans first.
• Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.

• Speaking — Talking to others to convey information effectively.
• Active Listening — Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
• Reading Comprehension — Understanding written sentences and paragraphs in work-related documents.
• Critical Thinking — Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
• Writing — Communicating effectively in writing as appropriate for the needs of the audience.