Financial Health and Wellness Counselor

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Job Details

Financial Counseling
Full Time
Cedar Rapids, IA / Iowa City, IA
2 Years
Associate's Degree, Bachelor's Degree
November 13, 2018


This position is responsible for providing education, assessment, counseling, advocacy with creditors, and referral services to financial, credit, housing, and pre-bankruptcy clients in an individual and/or group setting.

This position will work with the Financial Health & Wellness (FH&W) Team as we strategically increase the preventative use of our financial counseling and as we assess new tools to facilitate positive behavior changes. These endeavors will help us grow our client base and increase our impact.  

Horizons Financial Health & Wellness Department

The FH&W Program raises the economic stability of the region by improving the financial capability of individuals in varying levels of financial crisis or need. We work with individuals through one-on-one counseling, group education and our Representative Payee Program.

We are a HUD approved housing counseling agency, and we are a member of the National Foundation for Credit Counseling (NFCC). Counselors are required to earn and maintain relevant certification from HUD and the NFCC prior to providing counseling.


Horizons and its affiliate Elder Services Incorporated (ESI) employ a multidisciplinary strength based approach. This approach allows us to leverage supports in consideration of the whole person and family. As a result, we address system barriers that adversely impact the economic and health stability of our clients and community.


  1. Willing to travel 50% of the time, specifically travel to Iowa City and locations around the Cedar Rapids area.

  2. Provide clients with an accurate, honest assessment of their financial situation.

  3. Assist clients with developing and attaining counseling goals.

  4. Develop realistic budgets and action plans with clients.

  5. Focus on client needs, using a strength-based perspective.

  6. Establish and maintain good internal and external customer relations.

  7. Develop and conduct community education programs for groups with some programs occurring in the evening or on weekends.

  8. Advocate for clients with creditors in the development of repayment and resolution plans.

  9. Identify prospective areas of program growth.

  10. Enter notes and other important information in client files.

  11. Complete NFCC credit counselor certification within 3 months of date of hire.

  12. Complete NFCC housing counselor certification within 6 months of date of hire.

  13. Provide supervisor with activity reports and other statistics as required by agency, HUD, NFCC and other funding entities.

  14. Use appropriate software accurately and effectively.

  15. Actively participate in departmental and agency problem identification and resolution.

  16. Follow agency policies on privacy and confidentiality.

  17. Keep supervisor informed of relevant issues.

  18. Note this job description is not designed to cover or contain a comprehensive listing of activities, duties or responsibilities that are required of the employee for this job.

  19. Proficient use of Microsoft Office Suite.


  1. All employees shall be responsible to learn and comply with all safety and health rules and regulations applicable to their work. It is their further responsibility to support Horizons in providing a safe place to work and to protect themselves, co-workers, and clients against injuries or illnesses.

  2. Understand HIPAA regulations and report potential infractions to Human Resources.

  3. Recognize and build on the cultural diversity of our clients and co-workers. Display sensitivity and responsiveness to cultural differences of staff and clients.

  4. Attend training as directed; attains agency, funders and state training requirements.

  5. Actively, assertively, and thoughtfully participates in staff meetings on a regular basis, as scheduled by the supervisor.

  6. Includes volunteers in department and job function.


Requires a minimum of a Bachelor’s Degree or Associates Degree and 2 years related experience, or 4 years’ experience as a credit counselor, consumer lender, or other related experience.  Experience in marketing and public speaking preferred.


The Financial Health & Wellness Counselor position is supervised by the Financial Health & Wellness Manager. The employee will get support and direction as needed but will be expected to work without significant direct supervision on a day-to-day basis.


Monday – Friday 8am to 5pm with a one hour lunch. Hours can vary to meet program and Horizon’s needs.


Strong oral and written communication skills. Must become NFCC certified with 3 months of hire. A positive, non-judgmental attitude toward internal and external customers. Understanding of family dynamics as it relates to money management. Proficiency in the use of windows-based personal computers. Must possess the ability to maintain a positive consistent attitude in working with staff and clients, including holding the belief that people have the capacity to grow and change. This position is a mandatory child abuse reporter and must be re-certified every five years. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions. Horizons is an Equal Opportunity Employer.


  1. Must provide own transportation.

  2. Must supply all needed records

  3. Must be able to be certified as not having been involved in abuse to children or adults.

  4. Must be able to be certified as not having been involved in criminal activity.