Credit Representative

Join to apply for the Credit Representative role at 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.

• Send text messages, mail form letters and/or late charge notices to customers to encourage payment of delinquent accounts.
• Confere with customers by text or telephone to determine reasons for overdue payment, review terms of sales, service, or credit contract with customer to gain payment.
• 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, ensuring it is locked and the key removed when left unattended; key remains in employee’s possession by Store Manager.
• Travel to customers’ homes to collect on late payments; assist with repossessions of merchandise if necessary upon approval of Store Manager.
• Prepare paperwork prior to legal action to be initiated against severely late‑paying customers.
• Initiate credit investigations by telephone for new credit account applicants under direction of Credit Manager.
• Log details of work activities on a daily, weekly, and monthly basis.
• Receive, review, process, respond, distribute, forward, file, maintain, and take other appropriate action to various documentation and reports.
• Operate a personal computer, printer, calculator, copy machines, telephone, or other equipment as necessary to complete essential functions, including use of 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 participation in sales floor rotation, greeting customers, demonstrating products, completing sales writes‑ups, and updating CRM.
• Maintain acceptable sales quota as established in weekly, monthly, and annual store goals as assigned by Store Manager.
• 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.
• Perform 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 which provides the required knowledge, skills, and abilities for this position. Must possess and maintain a valid State Driver’s License.

• Data Utilization:
  Must review, categorize, prioritize, and analyze data, exercising discretion in determining data classification and referencing analysis to established standards.
• Human Interaction:
  Must provide guidance, assistance, and interpretation to others regarding the application of procedures and standards to specific situations.
• Equipment, Machinery, Tools, and Materials Utilization:
  Must operate, maneuver, and control equipment, machinery, tools, and/or materials used in performing essential functions.
• Verbal Aptitude:
  Must utilize a wide variety of reference, descriptive, and advisory data and information.
• Mathematical Aptitude:
  Must perform addition, subtraction, multiplication, and division; calculate decimals and percentages; interpret graphics.
• Functional Reasoning:
  Must carry out instructions furnished in written, oral, or diagrammatic form, exercising independent judgment.
• Situational Reasoning:
  Must exercise judgment, decisiveness, and creativity in evaluating information against measurable criteria.

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

Farmers Furniture is an Equal Opportunity Employer. The Company is committed to maintaining an environment free of harassment and discrimination.

Farmers Furniture is an Equal Opportunity Employer. In compliance with the Americans with Disabilities Act, the Company will provide reasonable accommodations to qualified individuals with disabilities and encourages both prospective and current employees to discuss potential accommodations with the employer.