Credit Counselors

Core tasks

1. 01Calculate clients' available monthly income to meet debt obligations.
2. 02Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.
3. 03Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.
4. 04Prioritize 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.
5. 05Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.
6. 06Recommend 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.

Model drivers (O*NET 1–5)

• Repeating same tasks4.08
• Degree of automation3.00
• Time sitting4.64
• Originality (ability)2.88
• Conflict situations2.71
• Hands-on objects/tools3.64
• Outdoors / weather1.36
• Disease exposure1.25
• Decision freedom4.24

Top abilities

• Oral Expression4.12
• Oral Comprehension4.00
• Written Comprehension3.88
• Written Expression3.75
• Problem Sensitivity3.75
• Inductive Reasoning3.75
• Deductive Reasoning3.75
• Speech Recognition3.25

Essential skills

• Reading Comprehension3.88
• Active Listening3.88
• Writing3.75
• Speaking4.00
• Mathematics3.12
• Science1.00
• Critical Thinking3.75
• Active Learning3.62
• Learning Strategies3.12
• Monitoring3.00