Credit Representative

Farmers Home Furniture•Dillon, SC

12d

About The Position

The Credit Representative performs work associated with locating and notifying customers with delinquent accounts and securing payment. The role contacts customers by text or telephone, sends payment notices, documents account communications, receives and posts payments, and maintains an assigned cash drawer. It may include visiting customers’ homes to collect late payments and assisting with merchandise repossessions when approved by the Store Manager. The representative also prepares paperwork for potential legal action and conducts telephone credit investigations for new applicants under the direction of the Credit Manager. The position handles customer documentation and reports, logs work activity, operates office equipment and computer software, enters service requests into PQA, and schedules merchandise repairs. As assigned, the representative supports customers on the sales floor, participates in sales activities, and meets sales quotas established by the Store Manager. The role also assists other store departments, follows customer service standards, and upholds the company’s H.O.M.E. values. The role 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 held and maintained. Physical tasks may involve moderate effort, 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/chemicals.

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 use discretion in applying 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 reference, descriptive, and advisory information.
Ability to perform arithmetic, calculate decimals and percentages, use fractions, and interpret graphs.
Ability to follow written, oral, or diagrammatic instructions and use 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 tasks involving climbing, balancing, stooping, kneeling, crouching, crawling, and possibly lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Some tasks require the ability to perceive and discriminate colors or shades, sounds, depth, and visual cues or signals, and to communicate orally.
May be exposed to dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.

Responsibilities

Send text messages, form letters, and late-charge notices to encourage payment of delinquent accounts.
Contact customers by text or telephone to determine why payment is overdue and review applicable sales, service, or credit contract terms in an effort to secure payment.
Document correspondence and attempted correspondence with customers regarding their accounts.
Receive payments and post them to customer 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, with Store Manager approval, assist with merchandise repossessions.
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, 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.
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 the sales quota established in weekly, monthly, and annual store goals as 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.