Credit Representative

Credit Representative

Farmers Home Furniture

The purpose of this classification is to perform work functions associated with locating, notifying, and securing payments from customers with delinquent accounts.

• Sends text messages, mails formal 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 amounts paid to customer accounts.
• Responsible for maintaining and balancing assigned cash drawer, ensuring the drawer is locked and key removed when unattended.
• Travels to customers’ homes as required to collect on late payments; assists with repossessions of merchandise 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, including the use of 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 by management, including 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 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.

• Assists in other store departments as required.

• Performs other related duties as required.

• High School Diploma or GED required; six months 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.
• Bilingual in English and Spanish is preferred.

• Data Utilization:
  Ability to review, categorize, prioritize, and analyze data, exercising discretion in determining data classification.
• Human Interaction:
  Ability to provide guidance, assistance, and/or interpretation to others regarding the application of procedures and standards.
• Equipment, Machinery, Tools, and Materials Utilization:
  Ability to operate, maneuver, and control equipment, machinery, tools, or 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 basic arithmetic, calculate decimals and percentages, use principles of fractions, and interpret graphs.
• Functional Reasoning:
  Ability to carry out instructions furnished in written, oral, or diagrammatic form; involves semi‑routine standardized work with some latitude for independent judgment.
• Situational Reasoning:
  Ability to exercise judgment, decisiveness, and creativity in situations involving evaluation of information against measurable or verifiable criteria.

• Physical Ability:
  Tasks require moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying,…