Credit Representative

Farmers Home Furniture•Starke, FL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payments. The role also receives and posts payments, maintains an assigned cash drawer, performs credit investigations for new applicants under the Credit Manager’s direction, and prepares paperwork for potential legal action. 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 includes customer service and sales-floor duties. The representative logs service requests in PQA, schedules merchandise repairs, assists customers with product demonstrations and sales write-ups, updates CRM, and maintains sales quotas established by the Store Manager. The role uses office equipment and software, processes documentation, keeps activity logs, supports other store departments, and promotes the company’s H.O.M.E. values and customer service standards. Physical tasks may require moderate effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds. Some duties may involve exposure to dirt, dust, temperature extremes, electric currents, or toxic agents or chemicals. Farmers Furniture states that it is an Equal Opportunity Employer and will provide reasonable accommodations to qualified individuals with disabilities.

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 apply established standards.
Ability to guide, assist, or explain procedures and standards to others.
Ability to operate equipment, machinery, tools, and materials used to perform the job’s 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 and perform tasks involving climbing, balancing, stooping, kneeling, crouching, crawling, and potentially lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Ability to perform tasks that may require perceiving colors or shades, sounds, depth, and visual cues or signals, and communicating orally.
Ability to work in conditions that may involve 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 reasons for overdue payments and review applicable sales, service, or credit contract terms in an effort to obtain payment.
Document correspondence and attempted correspondence concerning customer accounts.
Receive payments and post amounts paid to customer accounts.
Maintain and balance an assigned cash drawer, keeping it locked and removing the 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.
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, 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 based on 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 as required and perform other related duties.