Credit Representative

Farmers Home Furniture•Andalusia, AL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payments. The role also handles account documentation and payments, supports credit investigations and legal preparation, logs customer activity, and assists with customer service and sales-floor duties. The position may require travel to customers’ homes to collect late payments and assistance with merchandise repossessions when approved by the Store Manager. The Credit Representative also assists other store departments as needed and performs related duties.

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 use discretion in classifying it against established standards.
Ability to provide guidance, assistance, or interpretation regarding procedures and standards.
Ability to operate, maneuver, or control equipment, machinery, tools, and materials used in the work.
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 potentially 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 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 on delinquent accounts.
Contact customers by text or telephone to determine why payment is overdue and review 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 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, or take other appropriate action.
Use 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 for customers.
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 accordance 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: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring that excellence is a habit personally and for those entrusted to them to lead.
Assist in other store departments as required and perform other related duties.