Description
Provide one-on-one and group counseling to help individuals manage money, credit, and financial goals. Assess cash flow, debts, savings, and credit; develop budgets, debt-payoff and savings plans; explain loans and consumer protections; and coach clients on housing, student aid, and overall financial wellness. May coordinate with creditors and refer clients to tax, legal, or investment professionals.
- • Advise clients and answer inquiries on budgeting, credit, debt, saving, and financial goals via in-person or virtual channels.
- • Assess income, expenses, assets, debts, credit reports, and financial habits to determine overall financial health.
- • Calculate cash flow for living expenses, savings, and debt repayments.
- • Create personalized budgets, debt payoff plans, and savings plans.
- • Estimate timelines for debt repayment and savings targets based on rates and contributions.
- • Explain counseling scope, privacy, fees, and options such as consolidation, forbearance, or refinancing.
- • Interview clients by phone, video, or in person to gather financial information and goals.
- • Maintain client records, plans, progress notes, documents, and communications.
- • Coach clients in communicating with creditors and service providers to adjust payments or resolve issues.
- • Prepare written action plans and recommendations, including next steps and referrals.
- • Prioritize debt repayment to reduce costs and avoid bankruptcy, foreclosure, or collections.
- • Recommend educational resources on budgeting, credit building, saving, insurance, and retirement basics.
- • Recommend strategies such as emergency fund building, automation, loan refinancing, income supports, or bankruptcy referral when appropriate.
- • Refer clients to community, housing, tax, legal, benefits, or investment resources beyond counseling scope.
- • Review life or employment changes and update budgets and plans as needed.
- • Advise on housing choices, rental readiness, homeownership, mortgage delinquency, or foreclosure prevention.
- • Research solutions for credit report disputes, student loan options, collections, or wage garnishments.
- • Create action plans to secure stable housing, including savings for deposits or down payments.
- • Help clients set up checking, savings, autopay, and budgeting tools to manage bills and goals.
- • Explain financial topics such as credit scores, consumer protection laws, bankruptcy impacts, and collection actions.
- • Explain loan types, eligibility, costs, and restrictions for consumer, auto, mortgage, and student loans.
- • Help track payments, resolve billing errors, and troubleshoot bank or servicer issues.
- • Teach workshops or webinars on financial literacy, budgeting, debt, and savings.
Related specializations
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Available on paid plans only
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Financial Services
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Tasks & skills:
O*NET occupational data (work activities, skills, knowledge).
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This site includes information from O*NET by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA), used under the CC BY 4.0 license. Career Clutch has modified some of this information for student readability. USDOL/ETA has not approved, endorsed, or tested these modifications. O*NET® is a trademark of USDOL/ETA.
Last reviewed: Jan 2026
