Job description template

Credit Counselor Job Description Template

A copy-ready credit counselor job description with responsibilities, qualifications, skills and pay guidance: customize it for your company in minutes.

Updated By the Career Education Institute Curriculum Team
How to use this template

Copy the template below, replace the bracketed fields and tailor duties to your workplace. For pay, national BLS data shows credit counselors earn a median of $52,230 ($25.11/hour); the middle 50% earn $45,720–$64,080.

Job title

Credit Counselor

Job summary

[Company name] is seeking a dependable credit counselor to join our team in [city, state]. In this role, you will review client budgets, explain debt options and support our team’s commitment to safety, quality and service.

Responsibilities

  • Review client budgets
  • Explain debt options
  • Set up debt management plans
  • Negotiate with creditors
  • Provide bankruptcy counseling
  • Teach financial classes
  • Coach homebuyers
  • Follow company policies, safety procedures and applicable regulations

Required qualifications

  • Bachelor's degree
  • Working knowledge of budgeting and debt management
  • Empathy and patience
  • [Add role-specific requirements, such as driver’s license or ability to pass a background check, if job-related]

Preferred qualifications

  • NFCC certification
  • HUD housing counselor certification
  • AFC
  • Experience with client management systems

Skills

  • Consumer credit law
  • Creditor negotiation
  • Housing counseling
  • Financial education
  • Listening
  • Non-judgment

Work environment and schedule

Counselors work in nonprofit agencies, banks and credit unions, often by phone or video. Full time, with some evening classes.

Pay and benefits

$[min]–$[max] per [hour/year], depending on experience. [List benefits: health insurance, paid time off, retirement plan, training and certification support.]

Equal opportunity

[Company name] is an equal opportunity employer. We consider all qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, age, disability, veteran status or any other characteristic protected by law, and we provide reasonable accommodations upon request.

Tips for a credit counselor job posting that attracts applicants

  • Use the title candidates search for. “Credit Counselor” is the clearest; alternates include Debt Counselor, Financial Counselor, Housing Counselor.
  • Show the pay range. Postings with pay get more qualified applicants, and a growing number of states and cities require pay ranges in job postings.
  • Separate must-haves from nice-to-haves. Long requirement lists discourage qualified candidates, especially career changers.
  • Describe a real day. Borrow from our day in the life of a credit counselor so applicants self-select accurately.
  • Mention training. Highlighting structured onboarding: such as Credit Counselor training: widens your applicant pool.

Next steps

Screen and interview with our Credit Counselor hiring guide, then onboard with the 30-60-90 day plan.

Team pricing