Credit Counselor

On the job, you would:

• 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.
• Recommend strategies for clients to meet their financial goals, such as borrowing money through loans or loan programs, declaring bankruptcy, making budget adjustments, or enrolling in debt management plans.