Credit Representative

Farmers Home Furniture•Laurinburg, NC

About The Position

The Credit Representative performs work associated with locating and notifying customers with delinquent accounts and securing payments. The role contacts customers by text, telephone, and mail; documents account communications; receives and posts payments; and maintains and balances an assigned cash drawer. As required, the representative travels to customers’ homes to collect late payments and may assist with merchandise repossessions with Store Manager approval. The position also prepares paperwork for potential legal action and initiates telephone credit investigations for new applicants under the Credit Manager’s direction. The representative handles documentation and reports, logs work activities, enters customer service requests into PQA, and schedules merchandise repairs. The role also supports sales-floor operations when assigned, including greeting customers, demonstrating products, completing sales write-ups, updating CRM, and meeting sales quotas set by the Store Manager. The representative follows customer service counter and telephone standards, supports other store departments as needed, and upholds the company’s H.O.M.E. values. The work requires a high school diploma or GED and six months of experience in payment collections or general office procedures, or an equivalent combination of education, training, and experience. A valid State Driver’s License must be possessed and maintained. The position involves moderate physical effort, including occasional climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds. Some tasks may require exposure to 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 providing the required knowledge, skills, and abilities.
Must 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, review contract terms, and seek payment.
Document correspondence and attempted correspondence concerning customer accounts.
Receive payments and post them to customer accounts.
Maintain and balance an assigned cash drawer, ensuring it is locked and its key is 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.
Initiate telephone credit investigations for new credit account applicants under the Credit Manager’s direction.
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 and software.
Enter 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 weekly, monthly, and annual store goals assigned by the Store Manager.
Follow 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.