Credit Representative

Farmers Home Furniture•LaGrange, GA

13d

About The Position

The Credit Representative locates, notifies, and secures payments from customers with delinquent accounts. The role communicates with customers by text and telephone, documents account-related correspondence, receives and posts payments, and maintains an assigned cash drawer. It may require travel to customers’ homes to collect late payments and assist with merchandise repossessions after Store Manager approval. The position also prepares paperwork before legal action, conducts telephone credit investigations for new applicants under the Credit Manager’s direction, and records work activity. The Credit Representative processes documentation and reports, uses computer and office equipment and software, enters customer service requests into PQA, and schedules merchandise repairs. The role also supports customers on the sales floor, participates in sales activities, maintains sales quotas established by the Store Manager, follows customer service standards, and assists other store departments as needed. Employees are expected to uphold and promote the company’s H.O.M.E. values. Farmers Furniture is an Equal Opportunity Employer and provides 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 an equivalent 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 and assistance regarding procedures and standards.
Ability to operate equipment, machinery, tools, and materials used in the work.
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 perform moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and potentially lifting, carrying, pushing, or pulling objects weighing 12–50 pounds.
Ability to meet sensory and communication demands, including perceiving colors, sounds, depth, and visual cues or signals and communicating orally.

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, review contract terms, and seek payment.
Document correspondence and attempted correspondence with customers about their accounts.
Receive payments and post them to customer accounts.
Maintain and balance an assigned cash drawer, keeping it locked and securing its key when unattended.
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 initiating legal action against severely late-paying customers.
Conduct telephone credit investigations for new credit account applicants under the direction of the Credit Manager.
Log work activities on a daily, weekly, and monthly basis.
Review and process documentation and reports, respond to or distribute them, and file or maintain them as appropriate.
Operate a computer, printer, calculator, copy machine, telephone, and relevant software to complete essential functions.
Log customer service requests into PQA and schedule merchandise repairs.
Assist customers on the sales floor as assigned, including participating in the sales rotation, greeting customers, demonstrating products, completing sales write-ups, and updating CRM.
Maintain an acceptable sales quota established through 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.