Credit Representative

About the Role

This position performs work functions associated with locating, notifying, and securing payments from customers with delinquent accounts.

Responsibilities

• Sends text messages, mails form letters, and/or late charge notices to customers to encourage payment of delinquent accounts.
• Confers with customers by text or telephone to determine reasons for overdue payments, reviews terms of sales, service, or credit contracts, and attempts to secure payment.
• Documents all correspondence and attempted correspondence with customers concerning accounts.
• Receives payments and posts amounts paid to customer accounts.
• Maintains and balances an assigned cash drawer, ensuring security protocols are followed.
• Travels to customers’ homes as required to collect late payments; assists with repossessions of merchandise, if necessary, upon approval of the Store Manager.
• Prepares paperwork prior to initiating legal action against severely late-paying customers.
• Initiates credit investigations by telephone for new credit account applicants under the direction of the Credit Manager.
• Logs details of work activities on a daily, weekly, and monthly basis.
• Processes, reviews, responds to, distributes, forwards, files, or maintains various documentation and reports.
• Operates office equipment such as computers, printers, calculators, copy machines, and telephones to complete essential functions.
• Logs customer service requests into PQA and schedules merchandise repairs for customers.
• Assists customers on the sales floor, including greeting customers, demonstrating products, completing sales write-ups, and updating CRM.
• Maintains an acceptable sales quota as established in weekly, monthly, and annual store goals.
• Complies with Store Operations Customer Service Counter and Telephone Standards.
• Upholds and promotes the company’s H.O.M.E. values: Helping others, developing Ordinary people to do extraordinary things, being a Motivated owner that cares, and Ensuring excellence is a habit.
• Assists in other store departments as required.
• Performs other related duties as assigned.

Requirements

• High School Diploma or GED required.
• Six months of experience in payment collections or general office procedures; or any combination of training, experience, and education that provides the required knowledge, skills, and abilities.
• Must possess and maintain a valid State Driver’s License.

Skills

• Data Utilization: Ability to review, categorize, prioritize, and analyze data, exercising discretion in classification and referencing analysis to established standards.
• Human Interaction: Ability to provide guidance, assistance, and interpretation to others regarding procedures and standards.
• Equipment Utilization: Ability to operate, maneuver, and control office equipment, machinery, tools, and materials used in performing essential functions.
• Verbal Aptitude: Ability to utilize a wide variety of reference, descriptive, and advisory data and information.
• Mathematical Aptitude: Ability to perform addition, subtraction, multiplication, division, calculate decimals, percentages, fractions, and interpret graphs.
• Functional Reasoning: Ability to follow written, oral, or diagrammatic instructions with some latitude for independent judgment.
• Situational Reasoning: Ability to exercise judgment, decisiveness, and creativity in evaluating information against measurable or verifiable criteria.

Physical Demands

• Tasks require moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, and crawling.
• May involve lifting, carrying, pushing, or pulling objects and materials of moderate weight (12-50 pounds).
• Sensory requirements include the ability to perceive and discriminate colors, sounds, depth, and visual cues, as well as communicate orally.
• Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.