Credit Counselors and Loan Officers

Job Zone

Job Zone Four: Considerable Preparation Needed

Most of these occupations require a four-year bachelor's degree, but some do not.

Job Zones group occupations into one of five categories based on the education, experience, and training typically needed to perform them.

O’NET publishes details below this occupation’s level. Showing Credit Counselors — one of 2 occupations here: Credit Counselors, Loan Officers.

Tasks

Specific duties and responsibilities regularly performed in this occupation.

Create debt management plans, spending plans, or budgets to assist clients to meet financial goals.98
Assess clients' overall financial situations by reviewing income, assets, debts, expenses, credit reports, or other financial information.97
Calculate clients' available monthly income to meet debt obligations.94
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.92
Advise clients or respond to inquiries about financial matters in person or via phone, email, Web site, or Internet chat.92
Explain general financial topics to clients, such as credit report ratings, bankruptcy laws, consumer protection laws, wage attachments, or collection actions.91
Interview clients by telephone or in person to gather financial information.90
Maintain or update records of client account activity, including financial transactions, counseling session notes, correspondence, document images, or client inquiries.90
Estimate time for debt repayment, given amount of debt, interest rates, and available funds.89
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.88
Recommend educational materials or resources to clients on matters, such as financial planning, budgeting, or credit.88
Review changes to financial, family, or employment situations to determine whether changes to existing debt management plans, spending plans, or budgets are needed.86

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Prepare written documents to establish contracts with or communicate financial recommendations to clients.85
Explain services or policies to clients, such as debt management program rules, advantages and disadvantages of using services, or creditor concession policies.80
Teach courses or seminars on topics, such as budgeting, management of personal finances, or financial literacy.75
Advise clients on housing matters, such as housing rental, homeownership, mortgage delinquency, or foreclosure prevention.73
Refer clients to social service or community resources for needs beyond those of credit or debt counseling.72
Explain loan information to clients, such as available loan types, eligibility requirements, or loan restrictions.71
Create action plans to assist clients in obtaining permanent housing via rent or mortgage programs.70
Negotiate with creditors on behalf of clients to arrange for payment adjustments, interest rate reductions, time extensions, or payment plans.65
Conduct research to help clients avoid repossessions or foreclosures or remove levies or wage garnishments.63
Disburse funds from client accounts to creditors.50
Investigate missing checks, payment histories, held funds, returned checks, or other related issues to resolve client or creditor problems.50

Skills

Developed capacities that facilitate learning or the more rapid acquisition of knowledge.

Active Listening72
Giving full attention to what other people are saying, taking time to understand the points being made, asking questions as appropriate, and not interrupting at inappropriate times.
Critical Thinking72
Using logic and reasoning to identify the strengths and weaknesses of alternative solutions, conclusions, or approaches to problems.
Reading Comprehension72
Understanding written sentences and paragraphs in work-related documents.
Speaking72
Talking to others to convey information effectively.
Active Learning69
Understanding the implications of new information for both current and future problem-solving and decision-making.
Complex Problem Solving69
Identifying complex problems and reviewing related information to develop and evaluate options and implement solutions.
Judgment and Decision Making69
Considering the relative costs and benefits of potential actions to choose the most appropriate one.
Writing69
Communicating effectively in writing as appropriate for the needs of the audience.
Service Orientation66
Actively looking for ways to help people.
Persuasion56
Persuading others to change their minds or behavior.
Social Perceptiveness56
Being aware of others' reactions and understanding why they react as they do.
Learning Strategies53
Selecting and using training/instructional methods and procedures appropriate for the situation when learning or teaching new things.

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Mathematics53
Using mathematics to solve problems.
Negotiation53
Bringing others together and trying to reconcile differences.
Systems Evaluation53
Identifying measures or indicators of system performance and the actions needed to improve or correct performance, relative to the goals of the system.
Coordination50
Adjusting actions in relation to others' actions.
Monitoring50
Monitoring/Assessing performance of yourself, other individuals, or organizations to make improvements or take corrective action.
Time Management50
Managing one's own time and the time of others.
Instructing47
Teaching others how to do something.
Systems Analysis47
Determining how a system should work and how changes in conditions, operations, and the environment will affect outcomes.
Management of Personnel Resources31
Motivating, developing, and directing people as they work, identifying the best people for the job.
Management of Financial Resources28
Determining how money will be spent to get the work done, and accounting for these expenditures.
Operations Analysis22
Analyzing needs and product requirements to create a design.
Technology Design19
Generating or adapting equipment and technology to serve user needs.
Management of Material Resources13
Obtaining and seeing to the appropriate use of equipment, facilities, and materials needed to do certain work.
Operations Monitoring6
Watching gauges, dials, or other indicators to make sure a machine is working properly.
Programming6
Writing computer programs for various purposes.
Quality Control Analysis6
Conducting tests and inspections of products, services, or processes to evaluate quality or performance.
Equipment Maintenance0
Performing routine maintenance on equipment and determining when and what kind of maintenance is needed.
Equipment Selection0
Determining the kind of tools and equipment needed to do a job.
Installation0
Installing equipment, machines, wiring, or programs to meet specifications.
Operation and Control0
Controlling operations of equipment or systems.
Repairing0
Repairing machines or systems using the needed tools.
Science0
Using scientific rules and methods to solve problems.
Troubleshooting0
Determining causes of operating errors and deciding what to do about it.

Knowledge

Organized sets of principles and facts that apply in general domains.

Customer and Personal Service89
Knowledge of principles and processes for providing customer and personal services. This includes customer needs assessment, meeting quality standards for services, and evaluation of customer satisfaction.
English Language73
Knowledge of the structure and content of the English language including the meaning and spelling of words, and rules of composition and grammar.
Administrative69
Knowledge of administrative and office procedures and systems such as word processing, managing files and records, stenography and transcription, designing forms, and workplace terminology.
Education and Training63
Knowledge of principles and methods for curriculum and training design, teaching and instruction for individuals and groups, and the measurement of training effects.
Economics and Accounting61
Knowledge of economic and accounting principles and practices, the financial markets, banking, and the analysis and reporting of financial data.
Mathematics59
Knowledge of arithmetic, algebra, geometry, calculus, statistics, and their applications.
Administration and Management51
Knowledge of business and management principles involved in strategic planning, resource allocation, human resources modeling, leadership technique, production methods, and coordination of people and resources.
Computers and Electronics49
Knowledge of circuit boards, processors, chips, electronic equipment, and computer hardware and software, including applications and programming.
Psychology49
Knowledge of human behavior and performance; individual differences in ability, personality, and interests; learning and motivation; psychological research methods; and the assessment and treatment of behavioral and affective disorders.
Therapy and Counseling47
Knowledge of principles, methods, and procedures for diagnosis, treatment, and rehabilitation of physical and mental dysfunctions, and for career counseling and guidance.
Law and Government42
Knowledge of laws, legal codes, court procedures, precedents, government regulations, executive orders, agency rules, and the democratic political process.
Personnel and Human Resources42
Knowledge of principles and procedures for personnel recruitment, selection, training, compensation and benefits, labor relations and negotiation, and personnel information systems.

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Communications and Media40
Knowledge of media production, communication, and dissemination techniques and methods. This includes alternative ways to inform and entertain via written, oral, and visual media.
Sales and Marketing35
Knowledge of principles and methods for showing, promoting, and selling products or services. This includes marketing strategy and tactics, product demonstration, sales techniques, and sales control systems.
Sociology and Anthropology34
Knowledge of group behavior and dynamics, societal trends and influences, human migrations, ethnicity, cultures, and their history and origins.
Public Safety and Security28
Knowledge of relevant equipment, policies, procedures, and strategies to promote effective local, state, or national security operations for the protection of people, data, property, and institutions.
Philosophy and Theology27
Knowledge of different philosophical systems and religions. This includes their basic principles, values, ethics, ways of thinking, customs, practices, and their impact on human culture.
Telecommunications24
Knowledge of transmission, broadcasting, switching, control, and operation of telecommunications systems.
Foreign Language23
Knowledge of the structure and content of a foreign (non-English) language including the meaning and spelling of words, rules of composition and grammar, and pronunciation.
Production and Processing23
Knowledge of raw materials, production processes, quality control, costs, and other techniques for maximizing the effective manufacture and distribution of goods.
Design17
Knowledge of design techniques, tools, and principles involved in production of precision technical plans, blueprints, drawings, and models.
Engineering and Technology14
Knowledge of the practical application of engineering science and technology. This includes applying principles, techniques, procedures, and equipment to the design and production of various goods and services.
History and Archeology14
Knowledge of historical events and their causes, indicators, and effects on civilizations and cultures.
Geography13
Knowledge of principles and methods for describing the features of land, sea, and air masses, including their physical characteristics, locations, interrelationships, and distribution of plant, animal, and human life.
Transportation12
Knowledge of principles and methods for moving people or goods by air, rail, sea, or road, including the relative costs and benefits.
Building and Construction6
Knowledge of materials, methods, and the tools involved in the construction or repair of houses, buildings, or other structures such as highways and roads.
Mechanical6
Knowledge of machines and tools, including their designs, uses, repair, and maintenance.
Medicine and Dentistry4
Knowledge of the information and techniques needed to diagnose and treat human injuries, diseases, and deformities. This includes symptoms, treatment alternatives, drug properties and interactions, and preventive health-care measures.
Physics4
Knowledge and prediction of physical principles, laws, their interrelationships, and applications to understanding fluid, material, and atmospheric dynamics, and mechanical, electrical, atomic and sub-atomic structures and processes.
Chemistry3
Knowledge of the chemical composition, structure, and properties of substances and of the chemical processes and transformations that they undergo. This includes uses of chemicals and their interactions, danger signs, production techniques, and disposal methods.
Fine Arts3
Knowledge of the theory and techniques required to compose, produce, and perform works of music, dance, visual arts, drama, and sculpture.
Food Production1
Knowledge of techniques and equipment for planting, growing, and harvesting food products (both plant and animal) for consumption, including storage/handling techniques.
Biology0
Knowledge of plant and animal organisms, their tissues, cells, functions, interdependencies, and interactions with each other and the environment.

Abilities

Enduring attributes of the individual that influence performance.

Oral Comprehension75
The ability to listen to and understand information and ideas presented through spoken words and sentences.
Oral Expression75
The ability to communicate information and ideas in speaking so others will understand.
Written Comprehension75
The ability to read and understand information and ideas presented in writing.
Written Expression75
The ability to communicate information and ideas in writing so others will understand.
Deductive Reasoning72
The ability to apply general rules to specific problems to produce answers that make sense.
Inductive Reasoning69
The ability to combine pieces of information to form general rules or conclusions (includes finding a relationship among seemingly unrelated events).
Problem Sensitivity69
The ability to tell when something is wrong or is likely to go wrong. It does not involve solving the problem, only recognizing that there is a problem.
Near Vision60
The ability to see details at close range (within a few feet of the observer).
Speech Recognition56
The ability to identify and understand the speech of another person.
Fluency of Ideas53
The ability to come up with a number of ideas about a topic (the number of ideas is important, not their quality, correctness, or creativity).
Mathematical Reasoning53
The ability to choose the right mathematical methods or formulas to solve a problem.
Number Facility53
The ability to add, subtract, multiply, or divide quickly and correctly.

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Speech Clarity53
The ability to speak clearly so others can understand you.
Category Flexibility50
The ability to generate or use different sets of rules for combining or grouping things in different ways.
Information Ordering50
The ability to arrange things or actions in a certain order or pattern according to a specific rule or set of rules (e.g., patterns of numbers, letters, words, pictures, mathematical operations).
Originality50
The ability to come up with unusual or clever ideas about a given topic or situation, or to develop creative ways to solve a problem.
Selective Attention50
The ability to concentrate on a task over a period of time without being distracted.
Flexibility of Closure44
The ability to identify or detect a known pattern (a figure, object, word, or sound) that is hidden in other distracting material.
Perceptual Speed44
The ability to quickly and accurately compare similarities and differences among sets of letters, numbers, objects, pictures, or patterns. The things to be compared may be presented at the same time or one after the other. This ability also includes comparing a presented object with a remembered object.
Speed of Closure38
The ability to quickly make sense of, combine, and organize information into meaningful patterns.
Time Sharing38
The ability to shift back and forth between two or more activities or sources of information (such as speech, sounds, touch, or other sources).
Far Vision25
The ability to see details at a distance.
Hearing Sensitivity25
The ability to detect or tell the differences between sounds that vary in pitch and loudness.
Memorization25
The ability to remember information such as words, numbers, pictures, and procedures.
Visualization25
The ability to imagine how something will look after it is moved around or when its parts are moved or rearranged.
Auditory Attention22
The ability to focus on a single source of sound in the presence of other distracting sounds.
Visual Color Discrimination22
The ability to match or detect differences between colors, including shades of color and brightness.
Arm-Hand Steadiness10
The ability to keep your hand and arm steady while moving your arm or while holding your arm and hand in one position.
Control Precision10
The ability to quickly and repeatedly adjust the controls of a machine or a vehicle to exact positions.
Finger Dexterity10
The ability to make precisely coordinated movements of the fingers of one or both hands to grasp, manipulate, or assemble very small objects.
Manual Dexterity10
The ability to quickly move your hand, your hand together with your arm, or your two hands to grasp, manipulate, or assemble objects.
Trunk Strength6
The ability to use your abdominal and lower back muscles to support part of the body repeatedly or continuously over time without "giving out" or fatiguing.
Wrist-Finger Speed6
The ability to make fast, simple, repeated movements of the fingers, hands, and wrists.
Depth Perception0
The ability to judge which of several objects is closer or farther away from you, or to judge the distance between you and an object.
Dynamic Flexibility0
The ability to quickly and repeatedly bend, stretch, twist, or reach out with your body, arms, and/or legs.
Dynamic Strength0
The ability to exert muscle force repeatedly or continuously over time. This involves muscular endurance and resistance to muscle fatigue.
Explosive Strength0
The ability to use short bursts of muscle force to propel oneself (as in jumping or sprinting), or to throw an object.
Extent Flexibility0
The ability to bend, stretch, twist, or reach with your body, arms, and/or legs.
Glare Sensitivity0
The ability to see objects in the presence of a glare or bright lighting.
Gross Body Coordination0
The ability to coordinate the movement of your arms, legs, and torso together when the whole body is in motion.
Gross Body Equilibrium0
The ability to keep or regain your body balance or stay upright when in an unstable position.
Multilimb Coordination0
The ability to coordinate two or more limbs (for example, two arms, two legs, or one leg and one arm) while sitting, standing, or lying down. It does not involve performing the activities while the whole body is in motion.
Night Vision0
The ability to see under low-light conditions.
Peripheral Vision0
The ability to see objects or movement of objects to one's side when the eyes are looking ahead.
Rate Control0
The ability to time your movements or the movement of a piece of equipment in anticipation of changes in the speed and/or direction of a moving object or scene.
Reaction Time0
The ability to quickly respond (with the hand, finger, or foot) to a signal (sound, light, picture) when it appears.
Response Orientation0
The ability to choose quickly between two or more movements in response to two or more different signals (lights, sounds, pictures). It includes the speed with which the correct response is started with the hand, foot, or other body part.
Sound Localization0
The ability to tell the direction from which a sound originated.
Spatial Orientation0
The ability to know your location in relation to the environment or to know where other objects are in relation to you.
Speed of Limb Movement0
The ability to quickly move the arms and legs.
Stamina0
The ability to exert yourself physically over long periods of time without getting winded or out of breath.
Static Strength0
The ability to exert maximum muscle force to lift, push, pull, or carry objects.

Work Activities

General types of job behaviors occurring on multiple jobs.

Working with Computers86
Using computers and computer systems (including hardware and software) to program, write software, set up functions, enter data, or process information.
Getting Information84
Observing, receiving, and otherwise obtaining information from all relevant sources.
Establishing and Maintaining Interpersonal Relationships82
Developing constructive and cooperative working relationships with others, and maintaining them over time.
Making Decisions and Solving Problems80
Analyzing information and evaluating results to choose the best solution and solve problems.
Updating and Using Relevant Knowledge76
Keeping up-to-date technically and applying new knowledge to your job.
Communicating with People Outside the Organization75
Communicating with people outside the organization, representing the organization to customers, the public, government, and other external sources. This information can be exchanged in person, in writing, or by telephone or e-mail.
Organizing, Planning, and Prioritizing Work75
Developing specific goals and plans to prioritize, organize, and accomplish your work.
Coaching and Developing Others73
Identifying the developmental needs of others and coaching, mentoring, or otherwise helping others to improve their knowledge or skills.
Providing Consultation and Advice to Others73
Providing guidance and expert advice to management or other groups on technical, systems-, or process-related topics.
Training and Teaching Others73
Identifying the educational needs of others, developing formal educational or training programs or classes, and teaching or instructing others.
Documenting/Recording Information70
Entering, transcribing, recording, storing, or maintaining information in written or electronic/magnetic form.
Communicating with Supervisors, Peers, or Subordinates69
Providing information to supervisors, co-workers, and subordinates by telephone, in written form, e-mail, or in person.

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Developing Objectives and Strategies68
Establishing long-range objectives and specifying the strategies and actions to achieve them.
Interpreting the Meaning of Information for Others68
Translating or explaining what information means and how it can be used.
Identifying Objects, Actions, and Events67
Identifying information by categorizing, estimating, recognizing differences or similarities, and detecting changes in circumstances or events.
Analyzing Data or Information66
Identifying the underlying principles, reasons, or facts of information by breaking down information or data into separate parts.
Scheduling Work and Activities66
Scheduling events, programs, and activities, as well as the work of others.
Assisting and Caring for Others64
Providing personal assistance, medical attention, emotional support, or other personal care to others such as coworkers, customers, or patients.
Processing Information64
Compiling, coding, categorizing, calculating, tabulating, auditing, or verifying information or data.
Performing Administrative Activities62
Performing day-to-day administrative tasks such as maintaining information files and processing paperwork.
Performing for or Working Directly with the Public60
Performing for people or dealing directly with the public. This includes serving customers in restaurants and stores, and receiving clients or guests.
Thinking Creatively60
Developing, designing, or creating new applications, ideas, relationships, systems, or products, including artistic contributions.
Developing and Building Teams56
Encouraging and building mutual trust, respect, and cooperation among team members.
Monitoring Processes, Materials, or Surroundings55
Monitoring and reviewing information from materials, events, or the environment, to detect or assess problems.
Evaluating Information to Determine Compliance with Standards54
Using relevant information and individual judgment to determine whether events or processes comply with laws, regulations, or standards.
Resolving Conflicts and Negotiating with Others52
Handling complaints, settling disputes, and resolving grievances and conflicts, or otherwise negotiating with others.
Guiding, Directing, and Motivating Subordinates51
Providing guidance and direction to subordinates, including setting performance standards and monitoring performance.
Coordinating the Work and Activities of Others46
Getting members of a group to work together to accomplish tasks.
Judging the Qualities of Objects, Services, or People46
Assessing the value, importance, or quality of things or people.
Selling or Influencing Others40
Convincing others to buy merchandise/goods or to otherwise change their minds or actions.
Monitoring and Controlling Resources39
Monitoring and controlling resources and overseeing the spending of money.
Estimating the Quantifiable Characteristics of Products, Events, or Information34
Estimating sizes, distances, and quantities; or determining time, costs, resources, or materials needed to perform a work activity.
Staffing Organizational Units32
Recruiting, interviewing, selecting, hiring, and promoting employees in an organization.
Inspecting Equipment, Structures, or Materials21
Inspecting equipment, structures, or materials to identify the cause of errors or other problems or defects.
Handling and Moving Objects16
Using hands and arms in handling, installing, positioning, and moving materials, and manipulating things.
Performing General Physical Activities14
Performing general physical activities includes doing activities that require considerable use of your arms and legs and moving your whole body, such as climbing, lifting, balancing, walking, stooping, and handling materials.
Operating Vehicles, Mechanized Devices, or Equipment10
Running, maneuvering, navigating, or driving vehicles or mechanized equipment, such as forklifts, passenger vehicles, aircraft, or watercraft.
Repairing and Maintaining Electronic Equipment10
Servicing, repairing, calibrating, regulating, fine-tuning, or testing machines, devices, and equipment that operate primarily on the basis of electrical or electronic (not mechanical) principles.
Controlling Machines and Processes8
Using either control mechanisms or direct physical activity to operate machines or processes (not including computers or vehicles).
Drafting, Laying Out, and Specifying Technical Devices, Parts, and Equipment7
Providing documentation, detailed instructions, drawings, or specifications to tell others about how devices, parts, equipment, or structures are to be fabricated, constructed, assembled, modified, maintained, or used.
Repairing and Maintaining Mechanical Equipment4
Servicing, repairing, adjusting, and testing machines, devices, moving parts, and equipment that operate primarily on the basis of mechanical (not electronic) principles.

Work Styles

Personal characteristics that can affect how well someone performs a job.

Attention to Detail88
A tendency to be detail-oriented, organized, and thorough in completing work.
Dependability88
A tendency to be reliable, responsible, and consistent in meeting work-related obligations.
Integrity85
A tendency to be honest and ethical at work.
Empathy81
A tendency to show concern for others and be sensitive to others' needs and feelings at work.
Sincerity75
A tendency to be genuine and sincere in interactions with others at work, without concern for personal gain or self-interest.
Social Orientation74
A tendency to seek out, enjoy, and be energized by social interaction at work.
Cooperation73
A tendency to be pleasant, helpful, and willing to assist others at work.
Cautiousness69
A tendency to be careful, deliberate, and risk-avoidant when making work-related decisions or doing work.
Self-Control69
A tendency to remain calm and composed and to manage emotions effectively in response to criticism or difficult situations at work.
Perseverance66
A tendency to exhibit determination and resolve to perform or complete tasks in the face of difficult circumstances or obstacles at work.
Stress Tolerance60
A tendency to cope and function effectively in stressful situations at work.
Achievement Orientation57
A tendency to establish and maintain personally challenging work-related goals, set high work-related standards, and exert high effort toward meeting those goals and standards.

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Self-Confidence55
A tendency to believe in one's work-related capabilities and ability to control one's work-related outcomes.
Optimism54
A tendency to exhibit a positive attitude and positive emotions at work, even under difficult circumstances.
Humility51
A tendency to be modest and humble when interacting with others at work.
Initiative51
A tendency to be proactive and take on extra responsibilities and tasks that may fall outside of one's required work role.
Intellectual Curiosity45
A tendency to seek out and acquire new work-related knowledge and obtain a deep understanding of work-related subjects.
Adaptability41
A tendency to be open to and comfortable with change, new experiences, or ideas at work.
Tolerance for Ambiguity39
A tendency to be comfortable with ambiguity and uncertainty at work.
Leadership Orientation34
A tendency to lead, take charge, offer opinions, and provide direction at work.
Innovation23
A tendency to be inventive, to be imaginative, and to adopt new perspectives on ways to accomplish work.

Interests (RIASEC)

Holland's six occupational interest types (RIASEC) this work tends to attract.

Conventional73
Work involves following procedures and regulations to organize information or data, typically in a business setting. Conventional occupations are often associated with office work, accounting, mathematics/statistics, information technology, finance, or human resources.
Social65
Work involves helping, teaching, advising, assisting, or providing service to others. Social occupations are often associated with social, health care, personal service, teaching/education, or religious activities.
Enterprising62
Work involves managing, negotiating, marketing, or selling, typically in a business setting, or leading or advising people in political and legal situations. Enterprising occupations are often associated with business initiatives, sales, marketing/advertising, finance, management/administration, professional advising, public speaking, politics, or law.
Investigative28
Work involves studying and researching non-living objects, living organisms, disease or other forms of impairment, or human behavior. Investigative occupations are often associated with physical, life, medical, or social sciences, and can be found in the fields of humanities, mathematics/statistics, information technology, or health care service.
Artistic13
Work involves creating original visual artwork, performances, written works, food, or music for a variety of media, or applying artistic principles to the design of various objects and materials. Artistic occupations are often associated with visual arts, applied arts and design, performing arts, music, creative writing, media, or culinary art.
Realistic0
Work involves designing, building, or repairing of equipment, materials, or structures, engaging in physical activity, or working outdoors. Realistic occupations are often associated with engineering, mechanics and electronics, construction, woodworking, transportation, machine operation, agriculture, animal services, physical or manual labor, athletics, or protective services.

Work Context

Physical and social factors that influence the nature of work.

E-Mail
- Every day87%
Contact With Others
- Constant contact with others57%
- Contact with others most of the time30%
Telephone Conversations
- Every day68%
- Once a week or more but not every day14%
- Once a month or more but not every week11%
Determine Tasks, Priorities and Goals
- A lot of freedom50%
- Some freedom37%
Spend Time Sitting
- Continually or almost continually62%
- More than half the time21%
Face-to-Face Discussions with Individuals and Within Teams
- Every day59%
- Once a week or more but not every day17%
- Once a month or more but not every week17%
Importance of Being Exact or Accurate
- Extremely important43%
- Very important30%
- Important17%
Freedom to Make Decisions
- A lot of freedom27%
- Some freedom50%
- Limited freedom17%
Frequency of Decision Making
- Every day59%
- Once a month or more but not every week21%
- Never17%
Indoors, Environmentally Controlled
- Every day68%
- Never25%
Work With or Contribute to a Work Group or Team
- Extremely important41%
- Very important21%
- Important21%
Deal With External Customers or the Public in General
- Extremely important40%
- Very important23%
- Important20%
- Not important at all13%

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Impact of Decisions on Co-workers or Company Results
- Very important results30%
- Important results33%
- Moderate results20%
Written Letters and Memos
- Every day28%
- Once a week or more but not every day24%
- Once a month or more but not every week28%
- Never14%
Coordinate or Lead Others in Accomplishing Work Activities
- Extremely important17%
- Very important28%
- Important38%
Importance of Repeating Same Tasks
- Extremely important21%
- Very important38%
- Important14%
- Fairly important17%
Time Pressure
- Every day13%
- Once a week or more but not every day27%
- Once a month or more but not every week43%
- Once a year or more but not every month13%
Level of Competition
- Highly competitive17%
- Moderately competitive34%
- Slightly competitive21%
- Not at all competitive17%
Public Speaking
- Once a week or more but not every day20%
- Once a month or more but not every week27%
- Once a year or more but not every month40%
Dealing With Unpleasant, Angry, or Discourteous People
- Once a week or more but not every day14%
- Once a month or more but not every week24%
- Once a year or more but not every month52%
Duration of Typical Work Week
- 40 hours62%
- Less than 40 hours28%
Conflict Situations
- Once a week or more but not every day21%
- Once a month or more but not every week14%
- Once a year or more but not every month41%
- Never17%
Work Outcomes and Results of Other Workers
- Very high responsibility14%
- High responsibility17%
- Limited responsibility38%
- No responsibility24%
Physical Proximity
- Moderately close (at arm's length)14%
- Slightly close (e.g., shared office)31%
- I work with others but not closely (e.g., private office)34%
- I don't work near other people (beyond 100 ft.)17%
Degree of Automation
- Moderately automated34%
- Slightly automated38%
- Not at all automated17%
Consequence of Error
- Extremely serious14%
- Fairly serious38%
- Not serious at all31%
Health and Safety of Other Workers
- High responsibility13%
- Moderate responsibility13%
- Limited responsibility37%
- No responsibility30%
Spend Time Making Repetitive Motions
- Continually or almost continually20%
- More than half the time13%
- Never57%
Spend Time Using Your Hands to Handle, Control, or Feel Objects, Tools, or Controls
- Continually or almost continually23%
- Less than half the time17%
- Never53%
Spend Time Standing
- About half the time18%
- Less than half the time61%
- Never14%
Exposed to Sounds, Noise Levels that are Distracting or Uncomfortable
- Once a month or more but not every week13%
- Once a year or more but not every month20%
- Never60%
Spend Time Walking or Running
- About half the time11%
- Less than half the time32%
- Never57%
Dealing with Violent or Physically Aggressive People
- Once a year or more but not every month27%
- Never70%
In an Enclosed Vehicle or Operate Enclosed Equipment
- Never86%
Spend Time Bending or Twisting Your Body
- Less than half the time25%
- Never68%
Exposed to Very Hot or Cold Temperatures
- Once a year or more but not every month14%
- Never79%
Outdoors, Under Cover
- Once a year or more but not every month33%
- Never67%
Spend Time Keeping or Regaining Balance
- Less than half the time18%
- Never79%
Outdoors, Exposed to All Weather Conditions
- Never86%
Pace Determined by Speed of Equipment
- Not important at all86%
Spend Time Kneeling, Crouching, Stooping, or Crawling
- Less than half the time14%
- Never83%
Work Schedules
- Regular (established routine, set schedule)93%
Exposed to Contaminants
- Once a year or more but not every month14%
- Never86%
Exposed to Disease or Infections
- Never86%
Indoors, Not Environmentally Controlled
- Once a year or more but not every month14%
- Never86%
Exposed to Extremely Bright or Inadequate Lighting Conditions
- Never90%
Exposed to Minor Burns, Cuts, Bites, or Stings
- Never90%
Exposed to Cramped Work Space, Awkward Positions
- Never93%
Exposed to Hazardous Conditions
- Never97%
Spend Time Climbing Ladders, Scaffolds, or Poles
- Never97%
Wear Common Protective or Safety Equipment such as Safety Shoes, Glasses, Gloves, Hearing Protection, Hard Hats, or Life Jackets
- Never97%
Wear Specialized Protective or Safety Equipment such as Breathing Apparatus, Safety Harness, Full Protection Suits, or Radiation Protection
- Never97%
Exposed to Hazardous Equipment
- Never100%
Exposed to High Places
- Never100%
Exposed to Radiation
- Never100%
Exposed to Whole Body Vibration
- Never100%
In an Open Vehicle or Operating Equipment
- Never100%

Typical Education Levels Reported

Education levels O*NET survey respondents in this occupation most often reported having.

Bachelor’s degree
High school diploma or equivalent
Associate’s degree or other 2-year degree

Technology Skills

Specific software and technology tools commonly used on the job.

Data base user interface and query software
CoreLogic DebtorTrace, LexisNexis Accurint, Merlin Information Services databases, Microsoft Access
Presentation software
Microsoft PowerPoint
Financial analysis software
Cooperative Processing Resources DMS Professional Suite, Freddie Mac Loan Prospector, Integrant DebtLogic, Prime Debt Software Credit Repair
Electronic mail software
Email software, Microsoft Outlook
Enterprise resource planning ERP software
Microsoft Dynamics, Oracle PeopleSoft, SAP software
Spreadsheet software
Microsoft Excel
Network conferencing software
Chat software
Office suite software
Microsoft Office software
Word processing software
Microsoft Word
Internet browser software
Web browser software
Information retrieval or search software
LexisNexis

Professional Associations

Organizations related to this occupation, such as industry and licensing bodies.

Related Occupations

Occupations that call for similar work and worker requirements.

Detailed Work Activities

More specific, granular versions of the Work Activities above.

Develop financial plans for clients.
Assess financial status of clients.
Compute debt repayment schedules.
Advise others on financial matters.
Correspond with customers to answer questions or resolve complaints.
Recommend investments to clients.
Educate clients on financial planning topics.
Interview clients to gather financial information.
Prepare financial documents.
Prepare contracts or other transaction documents.
Explain regulations, policies, or procedures.
Refer clients to community or social service programs.

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Interpret financial information for others.
Negotiate agreements to resolve disputes.
Disburse funds from clients accounts to creditors.
Examine financial records.

This page incorporates information from O*NET Web Services by the U.S. Department of Labor, Employment and Training Administration (USDOL/ETA).

Based on federal labor and demographic data. Data source & methodology