Credit Representative

Overview
The purpose of this classification is to locate, notify, and secure 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 reason for overdue payment; review terms of sales, service, or credit contract with the customer to gain payment.
• Document all correspondence and attempted correspondence with customers concerning accounts.
• Receive payments and post amounts paid to the customer’s account.
• Maintain and balance assigned cash drawer, ensuring the drawer is locked and the key removed when unattended. The key remains in possession of the employee assigned to that drawer by the Store Manager.
• Travel to customers’ homes as required to collect late payments; assist with repossessions of merchandise, if necessary, upon Store Manager approval.
• 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 daily, weekly, and monthly.
• Receive various documentation and reports; review, process, respond, distribute, forward, file, maintain, and/or take other action as appropriate.
• Operate a personal computer, printer, calculator, copy machine, telephone, or other equipment as necessary to complete essential functions, including the 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 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 as assigned by the 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 that provides the required knowledge, skills, and abilities.
• Must possess and maintain a valid State Driver’s License.

• Data Utilization
  :
  Review, categorize, prioritize, and analyze data; exercise discretion in determining data classification.
• 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 advisory data and information.
• Mathematical Aptitude
  :
  Perform addition, subtraction, multiplication, division; calculate decimals and percentages; interpret graphs.
• Functional Reasoning
  :
  Carry out instructions in written, oral, and diagrammatic form; exercise independent judgment in routine choices of action.
• Situational Reasoning
  :
  Exercise judgment, decisiveness, and creativity in evaluating information against measurable or verifiable criteria.

• Exert moderate physical effort, including climbing, balancing, stooping, kneeling, crouching, crawling, and lifting, carrying, pushing, or pulling objects of moderate weight (12‑50 lbs).
• Perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals; communicate orally.
• Performance may require exposure to adverse environmental conditions such as dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.

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.

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