Credit Representative

Farmers Home Furniture•Auburn, AL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payment. The role also handles payment processing and account documentation, initiates credit investigations for new applicants under the direction of the Credit Manager, and prepares paperwork related to legal action for severely overdue accounts. As assigned, the representative supports sales-floor activities and customer service, logs customer service requests, and schedules merchandise repairs. The position may require travel to customers’ homes to collect late payments and assistance with merchandise repossessions following Store Manager approval.

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 basic arithmetic, calculate decimals and percentages, use fractions, and interpret graphs.
Ability to carry out 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 potentially lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Some tasks require the ability to perceive colors or shades, sounds, depth, and visual cues or signals, and to communicate 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 reasons for overdue payments and review sales, service, or credit contract terms in an effort to secure payment.
Document correspondence and attempted correspondence with customers about their accounts.
Receive payments and post amounts to customer accounts.
Maintain and balance an assigned cash drawer; keep it locked and remove its 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 applicants under the direction of the Credit Manager.
Log work activities daily, weekly, and monthly.
Receive and review documentation and reports; process, respond to, distribute, forward, file, maintain, or otherwise act on them as appropriate.
Operate a personal computer, printer, calculator, copy machines, telephone, and other equipment as necessary, 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.