Credit Representative

Farmers Home Furniture•Hartsville, SC

About The Position

The Credit Representative performs work related to locating customers with delinquent accounts, notifying them of overdue balances, and securing payment. The role also includes receiving and posting payments, maintaining and balancing an assigned cash drawer, and documenting customer correspondence and work activity. As required, the representative travels to customers’ homes to collect late payments and may assist with merchandise repossessions following Store Manager approval. The position prepares paperwork for potential legal action and conducts telephone credit investigations for new applicants under the direction of the Credit Manager. The role handles documentation and reports, customer service requests, and merchandise repair scheduling. It also supports sales-floor activities as assigned, including greeting customers, demonstrating products, completing sales write-ups, updating the CRM, and meeting store sales quotas. The representative operates office equipment and software, assists other store departments as required, 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 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 relate findings to established standards.
Ability to provide guidance, assistance, and interpretation regarding procedures and standards.
Ability to operate and control equipment, machinery, tools, and materials used in the role.
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 some independent judgment in semi-routine work.
Ability to exercise judgment, decisiveness, and creativity when evaluating information against measurable or verifiable criteria.
Ability to exert moderate physical effort, including some climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Ability to perceive and discriminate colors or shades, sounds, depth, and visual cues or signals; some tasks require oral communication.
Ability to perform essential functions that 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 why payments are overdue, review sales, service, or credit contract terms, and attempt to obtain 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, keeping it locked and removing its key 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 daily, weekly, and monthly.
Receive, 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 relevant word-processing, spreadsheet, database, or other system software.
Log customer service requests in 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 according to 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 H.O.M.E. values: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring excellence is a habit.
Assist in other store departments and perform other related duties as required.