Credit Specialist

Credit Specialist

Job Description

The position of Credit Specialist is a position requiring a strong commitment to delivering and be accountable for the exceptional, red-carpet service known as the “Albert’s Experience.” This role is to create a positive environment characterized by energy, enthusiasm and efficiency for our guests. It requires expert-level operational skills in understanding and performing all customer service, credit and collection functions. It safeguards company interests by examining, monitoring and managing the credit risk associated with extending lines of credit to customers. It holds the oversight for the management, protection, and collection of the company’s accounts receivable and maintaining the company’s credit policy.

Key Responsibilities

• Duties of a Credit Specialist include collection calls and/or correspondence in a fast-paced goal-oriented collections department.
• Providing customer service regarding collection issues, process customer refunds, process and review account adjustments, resolve client discrepancies and short payments.
• Reconcile daily work, cash balancing all drawers, preparing and making bank deposits.
• Responsible for monitoring and maintaining assigned accounts: customer calls, account adjustments, small balance write-off, customer reconciliations and processing credit memos.
• Accountable for reducing delinquency for assigned accounts.
• Perform other assigned tasks and duties necessary to accelerate the collections process.
• Must communicate and follow up effectively with sales department regarding customer accounts daily.
• Process Credit Card payments and review/approve credit applications.
• Follow daily, weekly, and monthly tasks and outlined responsibilities with daily checklists for the associates to follow routines for satisfaction calls, repair calls, aged layaway calls and collection calls.
• Following all security and safety protocol regarding store opening, closing, repair, merchandise and cash control.
• Process credit applications from customers by verifying trade and bank reference checks, credit reports, financials, and other data sources.
• Attention to credit approvals/limits, credit and collection calls, interactions with settlement agreements, payment arrangements, bankruptcies or repossessions.
• Monthly review of customers with old outstanding balances and aging reports and collect past due or delinquent customer balances
• Aggressive collection process that contacts customers to collect past due payments of all accounts and assure prompt handling of collection manners for the quick resolution of turnover of accounts receivable.
• Prepare information for collection agency and/or attorneys for delinquent accounts.

Essential Functions

• Weekly and monthly reporting to a direct supervisor
• Provide daily reports for sales, daily reconciliation and follow cash control procedures.
• Process credit applications from customers by verifying trade and bank reference checks, credit reports, financials, and other data sources.
• Complete timely Credit and collection calls.
• Process and follow up on monthly delinquency notices and collect past due payments.
• Processing monthly credit memos and the appropriate reporting
• High volume phones calls to assigned delinquent customers.
• Manage customers on shut down report.
• Reconcile customer disputes as they pertain to payment of outstanding balanced that are due.
• Prepare information for collection agency and/or attorneys for delinquent accounts.
• Process all credit transactions including Albert’s Charge, Wells, Acima and Transunion.
• Know and talk about weekly and monthly Credit At-A-Glance updates for the entire Albert’s sales team.
• Support and perform all the duties of customer service with repairs, cleanings, transactions, opening and closing procedures during peak and high traffic periods.
• Provide excellent and considerate customer service to sales.
• Offer expert in repair diagnosis and pricing.
• Train department associates and sales staff to ship along with providing shipping support any time that it is needed.
• Internal and external customer interface
• Participate in team planning meetings.
• Meet defined department goals and activity metrics.
• Maintain clean, organized work areas and counters that are visually appealing to our guests.
• Adhere to the company dress code meeting the highest standards of professionalism in attire and business etiquette.

Required Skills

• 3-5 years High Volume corporate collections experience
• Knowledge of billing and collections procedures
• Accounts Receivable knowledge/experience a plus
• Strong attention to detail, goal-oriented
• Commitment to excellent customer service
• Excellent written and verbal communication abilities
• Ability to prioritize and manage multiple responsibilities.
• Must be flexible in availability and be willing to work during peak times.
• Ability to physically stand, bend, squat, and lift up to 25 to 30 pounds.

DISCLAIMER:

• The above information on this description has been designed to indicate the general nature and level of work performed by employees within this classification. It is not designed to contain or be interpreted as a comprehensive inventory of all duties, responsibilities and qualifications required of employees assigned to this job.

Job Type: Full-time

Pay: From $18.00 per hour

Work Location: In person

Salary : $18