Credit Representative

Farmers Home Furniture•Cairo, GA

About The Position

The Credit Representative performs work associated with locating, notifying, and securing payments from customers with delinquent accounts. The role communicates with customers by text and telephone, processes payments, maintains an assigned cash drawer, and documents collection efforts. It may also involve travel to customers’ homes to collect late payments and assisting with merchandise repossessions when approved by the Store Manager. The position supports credit investigations, prepares paperwork for potential legal action, processes documentation and reports, and logs work activities. It also handles customer service requests and merchandise repair scheduling, assists customers on the sales floor, and works toward sales quotas established by the Store Manager. The Credit Representative may assist in other store departments and perform related duties as required.

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 apply established standards.
Ability to guide and assist others with procedures and standards.
Ability to operate equipment, machinery, tools, and materials used in the work.
Verbal, mathematical, functional reasoning, and situational reasoning abilities, including performing basic arithmetic and applying judgment to standardized work.

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, review contract terms, and attempt to obtain payment.
Document correspondence and attempted correspondence concerning customer accounts.
Receive customer payments and post them to accounts.
Maintain and balance an assigned cash drawer, keeping it locked and its key in the employee’s possession when unattended.
Travel to customers’ homes as required to collect late payments and assist with merchandise repossessions when approved by the Store Manager.
Prepare paperwork before legal action is initiated against severely late-paying customers.
Initiate telephone credit investigations for new 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 personal computer, printer, calculator, copy machines, telephone, and other necessary equipment, including relevant 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 based on 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.