Bilingual Credit Counselor – West Coast Evening Shift

Job not on LinkedIn

🕒 September 1

🇺🇸 United States – Remote

💵 $21 - $23 / hour

⏰ Full Time

🟢 Junior

🛋️ Counselor

🚫👨‍🎓 No degree required

👻 Ghost score 6%

What it means: how likely this posting is sitting open without active hiring.How to read it: 60% or higher means we think this is a ghost. Lower scores are less of a worry.How we score it: age, reposts, open roles vs team size, how fast jobs close, and whether pay is listed.Fine print: an estimate from public data, not a judgment of the company. Real jobs can score high, so treat it as a hint, not a fact.

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American Consumer Credit Counseling

WebsiteLinkedInAll Job Openings

51 - 200 employees

Founded 1991

🤝 Non-profit

💸 Finance

📚 Education

Non-profit • Finance • Education

American Consumer Credit Counseling is a nonprofit credit counseling agency that helps consumers manage and reduce unsecured debt, improve credit, and regain financial stability. ACCC provides services including credit counseling, debt management plans (DMPs), debt consolidation, debt settlement guidance, mandated bankruptcy counseling, housing counseling (homebuyer education, reverse mortgage counseling, foreclosure assistance), financial education workshops/webinars, and digital tools like a client portal and mobile app. The organization emphasizes personalized counseling, budgeting and credit education, and community outreach to individuals and families seeking alternatives to bankruptcy and improved financial health.

📋 Description

• Build trust and rapport with clients from various backgrounds • Answer inbound calls from individuals seeking financial education or credit counseling support • Conduct one-on-one credit counseling sessions by phone • Review client budgets, income, credit, and debt obligations • Provide personalized recommendations on debt management programs, bankruptcy options, credit remediation, collections, and credit reporting issues • Deliver financial education and create client budgets • Assist with enrollment into ACCC programs • Process consumer applications by entering client information and budget details into internal systems and affiliate databases • Follow up with prospective clients to encourage them to begin or continue counseling • Enroll qualified clients into debt consolidation or financial assistance programs • Verify client information using internal databases and approved sources • Recommend tailored debt management plans and repayment strategies • Educate clients on credit reports, credit scores, and healthy financial habits • Document client interactions and maintain accurate, confidential records

🎯 Requirements

• Fluent English & Spanish – required • Sales experience – required • West Coast candidates – required • Strong closing, persuasion, and relationship-building skills • Naturally empathetic with excellent listening skills • Comfortable discussing finances and recommending solutions • Call center, financial services, credit, banking, or counseling experience is a plus • High School Diploma or equivalent required; Associates or Bachelors preferred • 1–2 years of experience in credit counseling, financial coaching, or debt management • 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 • 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) • Knowledge of credit reports, credit scoring, and consumer lending preferred • Experience educating clients on credit reports, scores, and healthy financial habits preferred • Experience recommending debt management plans and repayment strategies preferred • Availability to work one Saturday per month preferred

🏖️ Benefits

• Competitive hourly compensation of $21–$23 plus bonus opportunities • Additional night-shift differential pay • 100% remote • Company-provided equipment • 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