Credit Representative

Farmers Home Furniture•Savannah, TN

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 balances, receives and posts payments, maintains an assigned cash drawer, and may travel to customers’ homes to collect late payments or assist with merchandise repossessions with Store Manager approval. It also supports credit investigations for new applicants, prepares paperwork before legal action, and maintains activity records and account correspondence. The position includes processing documentation and reports, logging customer service requests in PQA, and scheduling merchandise repairs. As assigned, the Credit Representative assists customers on the sales floor, participates in sales-floor rotation, demonstrates products, completes sales write-ups, updates CRM, and maintains an acceptable sales quota. The role assists other store departments as needed, follows customer-service standards, and upholds the company’s H.O.M.E. values.

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 providing the required knowledge, skills, and abilities.
Possess and maintain a valid State Driver’s License.

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 payments are overdue and review applicable sales, service, or credit contract terms in an effort to obtain payment.
Document correspondence and attempted correspondence with customers about their accounts.
Receive payments and post them 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.
Conduct telephone credit investigations for new credit account applicants under the direction of the Credit Manager.
Log work activities on a daily, weekly, and monthly basis.
Review, process, respond to, distribute, forward, and file documentation and reports, 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.
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 established through 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 and perform other related duties as required.