Credit Representative

Farmers Home Furniture•Decatur, AL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payment. The role also supports credit investigations, account documentation, customer service, merchandise repairs, and sales-floor activities. The position requires a 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. A valid State Driver’s License must be maintained.

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.
Possess and maintain a valid State Driver’s License.
Ability to review, categorize, prioritize, and analyze data and exercise discretion in applying 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 the work.
Ability to use varied 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 exercise independent judgment in semi-routine work.
Ability to exercise judgment, decisiveness, and creativity when evaluating information against measurable or verifiable criteria.
Ability to exert moderate physical effort, including activities such as climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds.
Some tasks require perceiving colors or shades, sounds, depth, and visual cues or signals, and communicating orally.
Some tasks may involve 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 why payment is overdue, review contract terms, and attempt to secure payment.
Document correspondence and attempted correspondence with customers regarding accounts.
Receive customer payments and post them to accounts.
Maintain and balance an assigned cash drawer, ensuring it is locked and its key removed 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 initiating legal action against severely late-paying customers.
Conduct telephone credit investigations for new 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 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.
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 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.