Credit Representative

Description

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

ESSENTIAL FUNCTIONS

The following duties are normal for this position. The omission of specific statements of the duties does not exclude them from the classification if the work is similar, related, or a logical assignment for this classification. Other duties may be required and assigned.

• 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. The key will remain in the possession of the employee assigned to that cash drawer by the Store Manager. • Travels 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. • Assist customers on 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.