Credit Representative

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 reason for overdue payment, reviewing terms of sales, service, or credit contracts in an attempt to gain 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 the drawer is locked and the key removed when unattended; the key remains in the possession of the assigned employee.
• 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.
• Receives, reviews, processes, responds to, distributes, forwards, files, maintains, and/or takes other action on various documentation and reports.
• Operates a personal computer, printer, calculator, copy machines, telephone, and other equipment necessary to complete essential functions, including word processing, spreadsheet, database, or other system software.
• Logs customer service requests into PQA and schedules merchandise repairs for customers.
• Assists customers on the sales floor as assigned, including participation in 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.
• Complies with Store Operations Customer Service Counter and Telephone Standards.
• Upholds and promotes 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 lead.
• Assists in other store departments as required.
• Performs other related duties as required.

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 providing 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 data classification and referencing analysis to established standards.
• Human Interaction: Ability to provide guidance, assistance, and interpretation to others regarding procedures and standards.
• Equipment, Machinery, Tools, and Materials Utilization: Ability to operate, maneuver, and control 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 carry out instructions furnished in written, oral, or diagrammatic form, involving semi-routine standardized work with latitude for independent judgment.
• Situational Reasoning: Ability to exercise judgment, decisiveness, and creativity in evaluating information against measurable or verifiable criteria.

Physical Requirements

• Physical Ability: Tasks require moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying, pushing, or pulling objects and materials of moderate weight (12-50 pounds).
• Sensory Requirements: Ability to perceive and discriminate colors, sounds, depth, and visual cues or signals; ability to communicate orally.
• Environmental Factors: Performance of essential functions may require exposure to dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.