Credit Representative

Essential Functions

• 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 attempting to determine reason for overdue payment, reviewing terms of sales, service, or credit contract with customer in an attempt to gain payment.
• Documents all correspondence and attempted correspondence with customers concerning accounts.
• Receives payments and posts amount paid to customer’s account.
• Responsible for maintaining and balancing their assigned cash drawer ensuring that the drawer is locked and the key removed when the drawer is left unattended.
• Trips to customers' homes as required to collect on late payments; assists with repossessions of merchandise, if necessary, upon approval of the Store Manager.
• Prepares paperwork prior to legal action to be initiated 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.
• Receives various documentation and reports; reviews, processes, responds, distributes, forwards, files, maintains, and/or takes other action as appropriate.
• Operates a personal computer, printer, calculator, copy machines, telephone, or other equipment as necessary to complete essential functions, to include the use of word processing, spreadsheet, database, or other system software.
• Logs customer service requests into PQA and schedules merchandise repairs for customers.
• Affixes to the sales floor as assigned by management to include participation in the sales floor rotation, 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 as assigned by the Store Manager.
• Complies with Store Operations Customer Service Counter and Telephone Standards.
• 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.

Additional Functions

• Assists in other store departments as required.
• Performs other related duties as required.

Requirements

• High School Diploma or GED required; six months experience in payment collections or general office procedures; 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.