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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 include:
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
Requirements
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 any changes to their working hours.
Benefits
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
