O*NET-SOC 13-2071.00

Credit Counselors

Advise and educate individuals or organizations on acquiring and managing debt. May provide guidance in determining the best type of loan and explain loan requirements or restrictions. May help develop debt management plans or student financial aid packages. May advise on credit issues, or provide budget, mortgage, bankruptcy, or student financial aid counseling.

From O*NET 30.3

Tasks

From O*NET 30.3, by importance, as O*NET OnLine lists them

Free · O*NET 30.3

Calculate clients' available monthly income to meet debt obligations.Core18935
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.Core18938
Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.Core18936
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.Core18943
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.Core18934
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.Core18945
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.Core18952
Disburse funds from client accounts to creditors.Supplemental18951
Interview clients by telephone or in person to gather financial information.Core18939
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.Core18937
Prepare written documents to establish contracts with or communicate financial recommendations to clients.Core18942
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.Core18940
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.Core18941
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.Core18948
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.Core18950
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.Core18933
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.Core18947
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.Core18944
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.Core18946
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.Core18953
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.Core18955
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.Core18949
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.Supplemental18954

Technology Skills

From O*NET 30.3, 23 examples in 11 categories, 8 Hot Technology

Free · O*NET 30.3

Network conferencing software

Chat software

Financial analysis software

Cooperative Processing Resources DMS Professional Suite
Freddie Mac Loan Prospector
ICCO CreditSoft
Integrant DebtLogic
Paragon Financial Services Paragon Financial System
Prime Debt Soft Debt Settlement
Prime Debt Software Credit Repair

Data base user interface and query software

CoreLogic DebtorTrace
LexisNexis Accurint
Merlin Information Services databases
Microsoft AccessHot Technology

Electronic mail software

Email software
Microsoft OutlookHot TechnologyIn Demand

Information retrieval or search software

LexisNexis

Enterprise resource planning ERP software

Microsoft Dynamics
Oracle PeopleSoftHot Technology
SAP softwareHot Technology

Spreadsheet software

Microsoft ExcelHot TechnologyIn Demand

Office suite software

Microsoft Office softwareHot TechnologyIn Demand

Presentation software

Microsoft PowerPointHot TechnologyIn Demand

Word processing software

Microsoft WordHot TechnologyIn Demand

Internet browser software

Web browser software

Detailed Work Activities

From O*NET 30.3, under their work activities; open one for the AI skills Workforce Automation maps to it

Free · O*NET 30.3

Getting Information

Interview clients to gather financial information.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Estimating the Quantifiable Characteristics of Products, Events, or Information

Compute debt repayment schedules.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Judging the Qualities of Objects, Services, or People

Assess financial status of clients.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Evaluating Information to Determine Compliance with Standards

Examine financial records.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Thinking Creatively

Develop financial plans for clients.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Documenting/Recording Information

Prepare financial documents.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 2 of 2 AI skills mapped to this activity, by automation level
- Augments 2
- Harvest automationclaudeskills.infoAugments
- Latex documentndpvt-web/latex-document-skill317 installsAugments
  Gen Agent Trust Hub Fail
  Runlayer Fail
  Snyk Warn
  Socket Pass
  ZeroLeaks Pass
Prepare contracts or other transaction documents.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Interpreting the Meaning of Information for Others

Explain regulations, policies, or procedures.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet
Educate clients on financial planning topics.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet
Interpret financial information for others.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Assisting and Caring for Others

Refer clients to community or social service programs.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Resolving Conflicts and Negotiating with Others

Negotiate agreements to resolve disputes.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 1 of 1 AI skills mapped to this activity, by automation level
- Supports 1
- Mercado libreclaudeskills.infoSupports

Performing for or Working Directly with the Public

Correspond with customers to answer questions or resolve complaints.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Providing Consultation and Advice to Others

Recommend investments to clients.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet
Advise others on financial matters.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Performing Administrative Activities

Disburse funds from clients accounts to creditors.
WFA · Part of the paid plan when accounts open
WFA (Workforce Automation) analysis: 0 of 0 AI skills mapped to this activity, by automation level
- No tools yet
- Not mapped yet

Job Zone

From O*NET 30.3

Free · O*NET 30.3

Job Zone Four: Considerable Preparation Needed

Workforce Automation analysis, not part of the source

WFA coverage: AI skills for this job

WFA · Part of the paid plan when accounts open

Pilot mapping: these skill links come from our seed list and haven’t been reviewed yet. Expect them to change as each one is checked.

DWAs covered by an AI skill2 of 16

Distinct tools3

Level mix

Augments 2
Supports 1

Equivalents

NICE work roles, with their DCWF equivalents

Mapped to this job by the ETO-CSET NICE/O*NET crosswalk (2024); roles from NICE Framework Components v2.2.0, DCWF equivalents from DoD DCWF Tool v5.3 (2026-09-25)

Free · NICE Framework Components v2.2.0 and DoD DCWF Tool v5.3 (2026-09-25)

No NICE work role maps to this job.