Credit Representative

Farmers Home Furniture•Monroeville, AL

17h

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payment. The role communicates with customers about overdue payments, accepts and records payments, maintains an assigned cash drawer, and may visit customers’ homes to collect late payments or assist with merchandise repossessions when approved. It also supports credit investigations, documentation and reporting, customer service requests, merchandise repairs, and sales-floor operations. The position operates under established procedures and standards and promotes Farmers Furniture’s H.O.M.E. values.

Requirements

High school diploma or GED required.
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.
Must possess and maintain a valid State Driver’s License.
Ability to review, categorize, prioritize, and analyze data, using discretion to classify information and compare it with established standards.
Ability to guide and assist others and interpret procedures and standards for specific situations.
Ability to operate and control equipment, machinery, tools, and materials used in the role.
Ability to use reference, descriptive, and advisory information.
Ability to perform basic arithmetic, calculate decimals and percentages, use fractions, and interpret graphs.
Ability to follow written, oral, or diagrammatic instructions and perform semi-routine standardized work with some independent judgment.
Ability to exercise judgment, decisiveness, and creativity when evaluating information against measurable or verifiable criteria.
Ability to exert moderate physical effort, including some climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Ability to perceive and distinguish colors or shades, sounds, depth, and visual cues or signals; some tasks require oral communication.
Ability to work with possible exposure to 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 reasons for overdue payments 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; keep it locked 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.
Initiate 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, or 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: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring that excellence is a habit personally and for those entrusted to them to lead.
Assist in other store departments as required and perform other related duties as required.