Credit Representative

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

Job summary

Farmers Home Furniture is seeking a dedicated collections associate to locate, notify, and secure payments from customers with delinquent accounts in Alabama. You will handle communications by text/phone, post payments, and balance cash drawers while traveling to customers' homes as required.

The role includes preparing legal-action paperwork for severe delinquencies and logging activities in the CRM system. A valid driver's license and prior collections or office experience are necessary.

Qualifications

• High School Diploma or GED required.
• Six months experience in payment collections or general office procedures.
• Must possess and maintain a valid State Driver’s License.

Responsibilities

• Send text messages, mails letters, and late charge notices to encourage payment.
• Confer with customers by text or telephone to determine reasons for overdue payment.
• Document all correspondence and attempted correspondence with customers.
• Receive payments and post amounts to customer accounts.
• Maintain and balance cash drawer and keep it secured when unattended.
• Travel to customers’ homes as needed to collect payments and assist with repossessions.
• Prepare paperwork for legal action on severely delinquent accounts.
• Log daily, weekly, and monthly activity; use CRM for entries.

Skills

Payment collections

Customer service

Communication

Data entry

Education

High School Diploma or GED

Tools

PQA system

Job description

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.

Additional Functions

• Assists in other store departments as required.
• Performs other related duties as required.

Requirements

Minimum 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.

Performance Aptitudes

Data Utilization

Requires the ability to review, categorize, prioritize, and/or analyze data. Includes exercising discretion in determining data classification, and in referencing such analysis to established standards for the purpose of recognizing actual or probable interactive effects and relationships.

Human Interaction

Requires the ability to provide guidance, assistance, and/or interpretation to others regarding the application of procedures and standards to specific situations.

Equipment, Machinery, tools, and Materials Utilization

Requires the ability to operate, maneuver and/or control the actions of equipment, machinery, tools, and/or materials used in performing essential functions.

Verbal Aptitude

Requires the ability to utilize a wide variety of reference, descriptive and/or advisory data and information.

Mathematical Aptitude

Requires the ability to perform addition, subtraction, multiplication, and division; the ability to calculate decimals and percentages; the ability to evaluate fractions; and the ability to interpret graphs.

Functional Reasoning

Requires the ability to carry out instructions furnished in written, oral, or diagrammatic form. Involves semi-routine standardized work with some latitude for independent judgment concerning choices of action.

Situational Reasoning

Requires the ability to exercise judgment, decisiveness and creativity in situations involving the evaluation of information against measurable or verifiable criteria.

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

ADA Compliance

Physical Ability

Tasks require the ability to exert moderate physical effort, though not constant physical effort, typically involving some combination of climbing and balancing, stooping, kneeling, crouching, and crawling, and which may involve some lifting, carrying, pushing and/or pulling of objects and materials of moderate weight (12-50 pounds).

Sensory Requirements

Some tasks require the ability to perceive and discriminate colors or shades of colors, sounds, depth, and visual cues or signals. Some tasks require the ability to communicate orally.

Environmental Factors

Performance of essential functions may require exposure to adverse environmental conditions, such as dirt, dust, temperature extremes, electric currents, or toxic agents/chemicals.

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.