Job Openings

Financial Educator/Counselor (Flexible Hours)

Location: NPC / Remote
Position Summary:

Financial Educator/Counselor will work with MakingChange staff to present innovative and interactive classes and workshops to establish and promote financial literacy and good financial behavior and habits.

  • Engages participants in discussions in all areas of personal finance, including financial goal setting, budgeting, credit matters, debt reduction, retirement planning, and estate planning.
  • Teaches how to save for emergencies, unanticipated contingencies, and both short and long-term goals.
  • Understands and incorporates relevant current events into meaningful personal finance education and discussion.
  • Educates attendees on how to make informed financial decisions.
  • Teaches money management techniques and best practices.
  • Educates participants on the importance of credit scores and how to monitor and protect credit, how to read a credit report, why credit matters, and ways to improve credit scores.
  • Provides referrals to appropriate resources.
  • Assists clients identify short- and long-term SMART goals; creates spending plans to support those goals.
  • Works with clients to understand spending habits and identifies and implements plans to reduce, eliminate and avoid debt and achieve solvency and stability.
  • Examines potential areas for reduction of expenses and explores ideas for increasing income.
  • Educates clients on the importance of credit scores and how to monitor and protect credit, how to read a credit report, why credit matters, and ways to improve credit scores.
  • Explains the importance of emergency funds and best practices to address unanticipated expenses; educates clients on money management techniques to live within their means.
  • Provides referrals to appropriate resources.

*Specific duties and responsibilities may vary based upon organizational needs. Other duties may be assigned similar to the above consistent with the knowledge, skills and abilities required for the position.

Minimum Qualifications
  • Broad understanding and in-depth knowledge of personal finance matters, including goal setting, credit, money management, savings, debt reduction, estate planning, insurance.
  • Excellent oral and written communication skills; demonstrated active listening skills.
  • Dynamic and engaging presentation skills.
  • Works well with others in a collaborative team-based environment.
  • Understanding, sensitivity, and empathy for clients and their family members; ability to develop and maintain trusting and helping relationships.
  • Ability to work effectively with individuals and families from diverse racial, ethnic, and socioeconomic backgrounds.
  • Ability to develop, implement, and evaluate financial needs of individuals and families.
  • Familiarity with video conferencing platforms, such as Zoom and Cisco Webex.
  • [A criminal history background check that includes a credit check, education and employment verification.]
  • Proficiency with Microsoft Office products (Excel, Word, PowerPoint).
  • Proficiency with video conferencing platforms, such as Zoom and Cisco Webex.
Preferred Qualifications
  • A national certification as an Accredited Financial Counselor (AFC) or Certified Financial Planner (CFP) or Chartered Financial Consultant (ChFC).
  • Prior financial counseling or education experience.
  • Fluency in Spanish, [Korean or Chinese].

Please submit your resume to:

Family Self-Sufficiency Coordinator (Full-Time Position)

Location of Job: Columbia, Maryland (during COVID-19 restrictions, position may be performed remotely)

 Job Description

The primary purpose of this position is to assist with implementing the Family Self-Sufficiency (FSS) program operated by the Howard County Housing Commission (the “Commission”).  FSS is a federally-funded program that enables HUD-assisted families who receive Housing Choice Vouchers to increase their earned income and reduce dependency on welfare assistance and rental subsidies.  Each family is guided by an Individual Training and Service Plan which sets forth the family’s intermediate and long-terms and the steps they need to take in terms of services and resources to achieve those goals. The FSS program also includes a savings program managed by the Commission. Most families are enrolled in the FSS program for five years.

The FSS Coordinator serves as the FSS program administrator pursuant to a contract with the Commission. The FSS Coordinator prepares program materials, recruits program participants, conducts needs assessments, coaches program participants, provides referrals to services and trainings, and helps participants stay on track to achieve their goals.  Other duties include developing program marketing materials, developing local strategies and initiatives, complying with applicable regulations, and providing support to the FSS Program Coordinating Committee. The FSS Coordinator reports to the Executive Director as well as works closely with the Commission’s Director of Rental Housing.        


  • Assist MakingChange with fulfilling the duties required by the FSS contract with the Commission. Includes:
    • Coordinating and liaising with local resources and services to ensure participants have access to supportive services.
    • Acting as a liaison between the FSS program and community partners.
    • Preparing written outreach materials for participants and community partners.
    • Developing marketing tools and program incentives to encourage program participation
    • Creating and maintaining FSS participant records
    • Initiating creative means and events to celebrate participants’ success and graduation.
    • Working individually with participants to develop critical goals and milestones to facilitate the transition to self-sufficiency.
    • Conducting participant meetings to monitor progress and to review credit scores and savings plans.
    • Meeting regularly with the Commission and assisting the Commission with preparing the FSS annual report submitted to HUD.
    • Conducting annual and interim recertifications for FSS participants.
    • Ensuring compliance with applicable federal regulations regarding contracts of participation and action plans
    • Providing support to the FSS Program Coordinating Committee, which recommends policy, identifies and develops resources and reviews program performan
    • Monitoring service delivery and identifies barriers for program participants.
  • Submit periodic activity reports to the Executive Director to assist with reporting to the Board of Directors, funders and others
  • Comply with office standards for file maintenance, including using a cloud-based document management system
  • Comply with all COVID-19 safety policies and procedures
  • Other duties as assigned


  • Bachelor’s degree from an accredited college or university
  • At least two years of experience administering an employment and training or self-sufficiency type program (any equivalent combination of education, training, and/or experience that provides the required knowledge and abilities may be considered sufficient)
  • Knowledge of effective interviewing and counseling techniques
  • Ability to develop, implement, and evaluate financial and asset building needs of individuals and families
  • Working knowledge and understanding of federal regulations relating to the FSS and HCV Programs
  • Proven ability to analyze, write and verbally communicate information in a clear, logical and concise manner; demonstrated active listening skills
  • Ability to communicate effectively with people from a broad range of racial, ethnic, socio-economic and educational backgrounds
  • Demonstrated understanding, sensitivity, and empathy for participants; ability to develop and maintain trusting and helpful relationships
  • Ability to work independently with broad guidance to accomplish local and federally mandated program mandates
  • Ability to function in a collaborative team-based environment, including working with participants, co-workers, human service agencies, the business community, boards and commissions, and educational and training institutions
  • Proficiency with modern office equipment and Microsoft Office products (Excel, Word, PowerPoint).
  • Familiarity with video conferencing platforms, such as Zoom and Cisco Webex.


The projected compensation range for this position will be competitive and in the range of $40,000 – $50,000.


MakingChange is an equal opportunity employer.  All MakingChange employment and services are provided without regard to race, creed, religion, handicap, color, sex, national origin, age, occupation, marital status, political opinion, sexual orientation, gender identity/expression, personal appearance, familial status or source of income.

Application Process

Please email a cover letter and resumé to Final candidate will be subject to a criminal background check.

Opportunities at MakingChange

MakingChange’s mission is to empower individuals and families to achieve financial stability.