Credit Representative

Farmers Home Furniture•Homosassa, FL

About The Position

The Credit Representative performs work associated with locating customers with delinquent accounts, notifying them of overdue payments, and securing payment. The role also includes initiating credit investigations for new applicants, maintaining account and activity records, handling payments and a cash drawer, and preparing documentation related to potential legal action. The position may involve traveling to customers’ homes to collect late payments and assisting with merchandise repossessions when necessary and approved by the Store Manager. The Credit Representative also provides customer service and sales-floor support, logs service requests and schedules merchandise repairs, and helps meet store sales goals. The role requires use of office equipment and software, compliance with customer-service standards, and promotion of the company’s H.O.M.E. values. The position requires a 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), and a valid state driver’s license. Physical tasks may require moderate effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying, pushing, or pulling objects weighing 12–50 pounds. Some tasks require color, sound, depth, and visual-cue perception, as well as oral communication. Work may involve exposure to dirt, dust, temperature extremes, electric currents, or toxic agents or chemicals.

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.
Must possess and maintain a valid state driver’s license.
Ability to review, categorize, prioritize, and analyze data and apply established standards.
Ability to guide and assist others in applying procedures and standards to specific situations.
Ability to operate 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 standardized work.
Ability to exercise judgment, decisiveness, and creativity when evaluating information against measurable or verifiable criteria.
Ability to perform moderate physical tasks, including activities such as climbing, balancing, stooping, kneeling, crouching, crawling, and handling objects weighing 12–50 pounds.
Ability to perceive colors or shades, sounds, depth, and visual cues or signals where required, and to communicate orally.
Ability to work in environments 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 payment, review contract terms, and seek payment.
Document correspondence and attempted correspondence with customers regarding accounts.
Receive payments and post them to customer accounts.
Maintain and balance an assigned cash drawer, keeping it locked and its key removed 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 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.
Use a personal computer, printer, calculator, copy machines, telephone, and relevant 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.