While becoming a credit counselor does not require a certain degree or certification, agencies employing credit counselors have preferences when it comes to job candidate backgrounds. Prospective employers look for candidates who have previous experience in counseling including, peer counseling in college, education counseling or human resources. Credit counselors interested in becoming certified can do so at any time; however, gaining certification prior to looking for work can increase your chances of finding a job.
Education
Obtain an undergraduate degree or associates degree in finance or business. Prospective employers are more likely to hire a credit counselor who has a related education background. Courses in microeconomics, accounting, personal finance, banking practices, counseling, negotiation skills and client relationships create a strong repository of knowledge that deepens student understanding of common issues clients face. Agencies will ask you about your financial knowledge when interviewed.
Certification
Visit the National Association of Certified Credit Counselors website at naccc.us to learn how to become a certified credit counselor. There are various certification courses and programs available, including both basic and senior credit counseling courses, and debt consolidation courses. Individuals interested in becoming a certified credit counselor can enroll online and complete the self-study courses offered online as well. Register on the NACCC web page for the exam; you will pay a fee to take the exam. Review the preparation materials and get prepared for the exam. Once you pass the exam, you will formally become an NACCC Certified Credit Counselors. Add this accomplishment to your resume.
Volunteer for Experience
Volunteer at local county community centers, churches and agencies that provide credit products, budgeting and debt advice to consumers. This step will help you gain experience working with people with credit issues, which can help you with your quest to obtain a paid position with a credit counseling agency. You will work with diverse groups of people throughout your career, from most financial and social backgrounds. Volunteering provides you with the experience needed to handle many different situations.
Job Information
Credit counselors work with both individuals and businesses or organizations to help them manage credit and debt. They also help people find the best loan for a specific financial situation, assist in budgeting, provide guidance for getting out of debt, offer bankruptcy advice and perform other general financial guidance tasks.
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