Credit Representative

Farmers Home Furniture•Inman, SC

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 about overdue balances, receives and posts payments, maintains an assigned cash drawer, and may travel to customers’ homes to collect late payments or assist with merchandise repossessions when approved by the Store Manager. It also supports credit investigations, documentation and reporting, customer service requests, merchandise repairs, and sales-floor activities. The position upholds the company’s H.O.M.E. values and follows customer service standards.

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.
Must possess and maintain a valid State Driver’s License.
Ability to review, categorize, prioritize, and analyze data and use discretion in applying established standards.
Ability to guide and assist others regarding procedures and standards.
Ability to operate and control equipment, machinery, tools, and materials used to perform essential functions.
Ability to use varied 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 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.
Some duties require perceiving colors or shades, sounds, depth, and visual cues or signals, and communicating orally.
Essential functions may involve exposure to dirt, dust, temperature extremes, electric currents, or toxic agents or chemicals.

Responsibilities

Send text messages, form letters, and late-charge notices to encourage payment of delinquent accounts.
Contact customers by text or telephone to determine the reason for overdue payment, 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 them to customer accounts.
Maintain and balance the assigned cash drawer; lock it and remove the key when unattended, keeping the key in the assigned employee’s possession.
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 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.
Assist in other store departments as required and perform other related duties.