Credit Representative

Farmers Home Furniture•Ozark, AL

10d

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payments. The role contacts customers about overdue payments, receives and posts payments, maintains an assigned cash drawer, and may travel to customers’ homes to collect late payments or assist with merchandise repossessions when approved. It also supports credit investigations for new applicants, prepares paperwork ahead of possible legal action, logs work activity, processes documentation, and enters service requests and repair appointments. As assigned, the Credit Representative assists with sales-floor customer service and works toward store sales quotas while following customer service standards and promoting the company’s H.O.M.E. values. The position requires a high school diploma or GED and six months of experience in payment collections or general office procedures, or an equivalent combination of education, training, and experience. A valid state driver’s license must be held and maintained. The work requires data review and prioritization, customer communication and guidance, equipment operation, basic arithmetic, and the ability to follow instructions and use judgment in routine situations. The position involves moderate physical effort, including possible climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds. Tasks may require color, sound, depth, and visual-cue perception, as well as oral communication. Work may involve exposure to dirt, dust, temperature extremes, electric currents, or toxic agents or 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 an equivalent combination of training, experience, and education that provides the required knowledge, skills, and abilities.
Must 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, and interpretation regarding procedures and standards.
Ability to operate and control equipment, machinery, tools, and materials used in essential functions.
Ability to use a wide variety of 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 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 possible climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds.
Ability to perceive colors or shades of color, sounds, depth, and visual cues or signals, and to communicate orally as required.
Ability to work in conditions that may involve dirt, dust, temperature extremes, electric currents, or toxic agents or chemicals.

Responsibilities

Send text messages, mail form letters, and/or late charge notices to encourage payment of delinquent accounts.
Contact customers by text or telephone to determine the reason for overdue payment and review sales, service, or credit contract terms in an effort to obtain payment.
Document correspondence and attempted correspondence with customers concerning accounts.
Receive payments and post amounts paid to customer accounts.
Maintain and balance an assigned cash drawer, keeping it locked and removing its key when unattended; retain 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.
Initiate telephone credit investigations for new credit account applicants under the direction of the Credit Manager.
Log work activities daily, weekly, and monthly.
Review and process documentation and reports, respond to or distribute them, forward or file them, maintain them, and take other appropriate action.
Operate a personal computer, printer, calculator, copy machines, telephone, and other necessary equipment, including word processing, spreadsheet, database, or other system software.
Log customer service requests into PQA and schedule merchandise repairs for customers.
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 as required and perform other related duties.