Credit Representative

Farmers Home Furniture•Roanoke Rapids, NC

About The Position

The Credit Representative performs work associated with locating, notifying, and securing payments from customers with delinquent accounts. The role contacts customers about overdue payments, documents account communications, receives and posts payments, and maintains an assigned cash drawer. It may involve travel to customers’ homes to collect late payments, assisting with merchandise repossessions when approved by the Store Manager, and preparing paperwork for legal action. Under the Credit Manager’s direction, the representative also conducts telephone credit investigations for new applicants. The position handles documentation and reports, logs work activity, enters customer service requests into PQA, and schedules merchandise repairs. As assigned by management, the representative assists customers on the sales floor, participates in sales rotation, demonstrates products, completes sales write-ups, updates CRM, and maintains an acceptable sales quota. The role also assists other store departments as needed and promotes the company’s H.O.M.E. values and customer service standards. The work requires operating office equipment and computer software, reviewing and processing information, applying procedures with some independent judgment, communicating with customers and others, and performing basic mathematical calculations. Physical tasks may require moderate exertion, including climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds. Work may involve exposure to dirt, dust, temperature extremes, electric currents, or toxic agents and chemicals. Farmers Furniture is an Equal Opportunity Employer and provides reasonable accommodations to qualified individuals with disabilities.

Requirements

High school diploma or GED.
Six months of experience in payment collections or general office procedures, or a combination of training, experience, and education that provides the required knowledge, skills, and abilities.
Possess and maintain a valid state driver’s license.
Ability to review, categorize, prioritize, and analyze data and apply established standards.
Ability to provide guidance, assistance, or interpretation regarding procedures and standards.
Ability to operate and control equipment, machinery, tools, and materials used in the work.
Ability to use reference, descriptive, and advisory information.
Ability to perform addition, subtraction, multiplication, and division; calculate decimals and percentages; use fractions; and interpret graphs.
Ability to follow written, oral, or diagrammatic instructions and exercise some independent judgment in semi-routine standardized work.
Ability to exercise judgment, decisiveness, and creativity when evaluating information against measurable or verifiable criteria.
Ability to exert moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and occasionally lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Ability to perceive and discriminate colors or shades, sounds, depth, and visual cues or signals, and to communicate orally.
Ability to work in conditions that may include dirt, dust, temperature extremes, electric currents, or toxic agents or chemicals.

Responsibilities

Send text messages and mail form letters or late-charge notices to encourage payment of delinquent accounts.
Contact customers by text or telephone to determine the reason for overdue payment, review contract terms, and seek payment.
Document correspondence and attempted correspondence with customers concerning their accounts.
Receive payments and post amounts paid to customer accounts.
Maintain and balance an assigned cash drawer; lock it and remove the key when unattended, retaining the key as assigned by the Store Manager.
Travel to customers’ homes as required to collect late payments and assist with merchandise repossessions when necessary and approved by the Store Manager.
Prepare paperwork before legal action is initiated against severely late-paying customers.
Conduct telephone credit investigations for new credit account applicants under the direction of the Credit Manager.
Log work activities daily, weekly, and monthly.
Review, process, respond to, distribute, forward, file, and maintain documentation and reports, and take other appropriate action.
Operate a personal computer, printer, calculator, copy machines, telephone, and other equipment; use word processing, spreadsheet, database, or other system software as needed.
Log customer service requests into PQA and schedule merchandise repairs.
Assist customers on the sales floor as assigned, including participating in sales-floor rotation, greeting customers, demonstrating products, completing sales write-ups, and updating CRM.
Maintain an acceptable sales quota in accordance with weekly, monthly, and annual store goals assigned by the Store Manager.
Comply with Store Operations Customer Service Counter and Telephone Standards.
Uphold and promote the company’s H.O.M.E. values.
Assist in other store departments and perform other related duties as required.