Credit Representative

Farmers Home Furniture•Glennville, GA

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them, and securing payments. The role communicates with customers by text and telephone, documents account-related correspondence, receives and posts payments, and maintains and balances an assigned cash drawer. It may involve visiting customers’ homes to collect late payments and assisting with merchandise repossessions, with Store Manager approval. The representative also prepares paperwork for potential legal action and conducts telephone credit investigations for new applicants under the direction of the Credit Manager. The position processes reports and documentation, records work activities, enters customer service requests into PQA, and schedules merchandise repairs. As assigned by management, the representative assists on the sales floor by greeting and assisting customers, demonstrating products, completing sales write-ups, updating CRM, and meeting sales quotas. The role also supports other store departments as required and follows customer service standards and 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 apply established standards.
Ability to provide guidance, assistance, and interpretation regarding procedures and standards.
Ability to operate equipment, machinery, tools, and materials used to perform 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.

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 the reason for overdue payments and discuss the terms of their sales, service, or credit contracts in an effort to secure payment.
Document correspondence and attempted correspondence with customers concerning their accounts.
Receive payments and post them to customer accounts.
Maintain and balance an assigned cash drawer, keeping it locked and removing its key when unattended; retain the key as the assigned employee.
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 direction of the Credit Manager.
Log work activities daily, weekly, and monthly.
Review, process, respond to, distribute, forward, file, and maintain documentation and reports, or take other appropriate action.
Operate a personal computer, printer, calculator, copy machines, telephone, and other equipment; use word processing, spreadsheet, database, or other system software as needed.
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 the sales quota established in weekly, monthly, and annual store goals as 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.