Credit & Collections Specialist

Farmers Home Furniture; Lumberton (NC); On-site; USD 32,000 - 52,000; Full time

Job summary

Farmers Home Furniture is seeking a diligent collections associate to locate and contact customers with delinquent accounts, encourage payment arrangements, and document all steps. You will visit customers’ homes when needed and assist with repossessions per manager approval, while maintaining accurate records and staying aligned with company policies.

You will handle cash payments, post receipts, and support sales floor activities, balancing the cash drawer and logging activity daily, weekly,

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 for this position.
• Must possess and maintain a valid State Driver’s License.
• Paths to advancement include experience in collections and office procedures, with strong data entry and customer communication.
• Company is an Equal Opportunity Employer and adheres to ADA compliance.

Responsibilities

• 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.
• 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.
• Operates a personal computer, printer, calculator, copy machines, telephone, or other equipment as necessary to complete essential functions.
• 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.

Skills

Verbal aptitude

Human interaction

Data utilization

Situational reasoning

Education

High School Diploma or GED

Tools

CRM

PQA

Word processing

Spreadsheet

Database

Job description

Farmers Home Furniture is seeking a diligent collections associate to locate and contact customers with delinquent accounts, encourage payment arrangements, and document all steps. You will visit customers’ homes when needed and assist with repossessions per manager approval, while maintaining accurate records and staying aligned with company policies.

You will handle cash payments, post receipts, and support sales floor activities, balancing the cash drawer and logging activity daily, weekly,