Credit Representative

Farmers Home Furniture•Muscle Shoals, AL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payment. The role contacts customers about overdue payments, receives and posts payments, maintains an assigned cash drawer, and may visit customers’ homes to collect late payments or assist with merchandise repossessions upon Store Manager approval. The position also supports credit investigations, documentation and reporting, customer service requests and repairs, and sales-floor activities. The Credit Representative works under established procedures and standards, upholds Farmers Furniture’s H.O.M.E. values, and may assist other store departments as needed. The position requires a high school diploma or GED and 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 possessed and maintained. The work may involve moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds. Some duties may involve adverse environmental conditions.

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 apply established standards.
Ability to provide guidance, assistance, and interpretation regarding procedures and standards.
Ability to operate equipment, machinery, tools, and materials used in the essential functions.
Ability to use 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 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 and discriminate colors or shades, sounds, depth, and visual cues or signals, and to communicate orally.
Performance of essential functions may require 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 customers 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 attempt to obtain payment.
Document correspondence and attempted correspondence concerning customer accounts.
Receive customer 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 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, file, and maintain documentation and reports, and take other appropriate action.
Use a personal computer, printer, calculator, copy machines, telephone, and other necessary equipment and 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 line 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.
Assist in other store departments and perform other related duties as required.