Credit Manager

ESSENTIAL FUNCTIONS

• Supervises, directs, and leads assigned staff, processing employee concerns and problems, directing work, disciplining, and providing general guidance as to attain efficient office and credit operations.
• Manages and oversees the activities and operations of the accounts receivable and collection areas.
• Reviews and evaluates applications; investigates and verifies financial status and reputation of prospective customers applying for credit; prepares documents to substantiate findings; recommends rejection or approval of credit applications; establishes credit limitations on customer’s account.
• Contacts customers by telephone and/or text to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer in an attempt to gain payment; mails form letters, texts, and/or late charge notices to customers to encourage payment of delinquent accounts; travels to customers’ homes to collect on late payments; assists with repossessions of merchandise as necessary; ensures payments are posted to customer’s account.
• Ensures all correspondence and attempted correspondence with customers concerning accounts is properly documented.
• Reviews and analyzes collection reports to ascertain status of collections and balances outstanding and to evaluate effectiveness of current collection policies and procedures.
• Determines which accounts to delegate to assigned staff for collection.
• Prepares paperwork prior to legal action to be initiated against severely late-paying customers; Submits delinquent accounts to attorney or outside agency for collection with prior approval of the Store Manager.
• Ensures customer files are stored in a fireproof cabinet and maintained in alphabetical order.
• Reviews delinquent account records to determine which customers must be contacted for collection of overdue accounts; organizes collection workload according to degree and amount of delinquency.
• Maintains a work environment free of legally prohibited discriminatory practices and sexual harassment.
• Completes, prepares, reviews, and/or approves a variety of forms, logs, requests, records, reports, correspondence, and other documents associated with daily responsibilities of this position; oversees maintenance of accurate files and administrative records.
• Operates a calculator, copy machine, telephone, or other equipment as necessary to complete essential functions.
• Upholds and promotes our 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.

MINIMUM QUALIFICATIONS

• A High School Diploma or GED required; three (3) years' experience in accounting/bookkeeping, loan processing, and/or collections; or any combination of training, experience and education which provides the required knowledge, skills, and abilities for this position.
• Must possess and maintain a valid State Driver’s License.