Credit Representative

About the role

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

Responsibilities

• Send text messages, mail form letters and/or late charge notices to customers to encourage payment of delinquent accounts
• Confer with customers by text or telephone to determine reason for overdue payment and review terms of sales, service, or credit contract
• Document all correspondence and attempted correspondence with customers concerning accounts
• Receive payments and post amount paid to customer’s account
• Maintain and balance assigned cash drawer; lock drawer and remove key when unattended; retain key in personal possession as assigned by the Store Manager
• Travel to customers’ homes as required to collect on late payments; assist with repossessions of merchandise upon approval of the Store Manager
• Prepare paperwork prior to legal action against severely late-paying customers
• Initiate credit investigations by telephone for new credit account applicants under the direction of the Credit Manager
• Log details of work activities on a daily, weekly, and monthly basis
• Receive, review, process, respond to, distribute, forward, file, maintain, and/or take other action as appropriate for various documentation and reports
• Operate a personal computer, printer, calculator, copy machines, telephone, or other equipment as necessary; use 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 by management, including sales floor rotation, greeting customers, demonstrating products, completing sales write-ups, and updating CRM
• Maintain an acceptable sales quota as established in weekly, monthly, and annual store goals
• Comply with Store Operations Customer Service Counter and Telephone Standards
• Uphold and promote 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
• Assist in other store departments as required

Requirements

Minimum Qualifications

• 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
• Must possess and maintain a valid State Driver’s License

Performance Aptitudes

• Data Utilization: Review, categorize, prioritize, and/or analyze data; exercise discretion in determining data classification and referencing analysis to established standards
• Human Interaction: Provide guidance, assistance, and/or interpretation to others regarding the application of procedures and standards
• Equipment, Machinery, Tools, and Materials Utilization: Operate, maneuver and/or control equipment, machinery, tools, and/or materials used in performing essential functions
• Verbal Aptitude: Utilize a wide variety of reference, descriptive and/or advisory data and information
• Mathematical Aptitude: Perform addition, subtraction, multiplication, and division; calculate decimals and percentages; utilize principles of fractions; interpret graphs
• Functional Reasoning: Carry out instructions furnished in written, oral, or diagrammatic form; perform semi-routine standardized work with some latitude for independent judgment
• Situational Reasoning: Exercise judgment, decisiveness and creativity in evaluating information against measurable or verifiable criteria

Physical Ability

Tasks require the ability to exert moderate physical effort, typically involving some combination of climbing and balancing, stooping, kneeling, crouching, and crawling, and may involve lifting, carrying, pushing and/or pulling of objects and materials of moderate weight (12–50 pounds).

Sensory Requirements

Some tasks require the ability to perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals, and to communicate orally.

Environmental Factors

Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.