Representative, Credit

The Credit & Collections Representative plays a key role in managing the company's accounts receivable and ensuring timely payment collections. This role is responsible for evaluating credit applications, communicating with customers regarding payment status, and negotiating payment terms. The individual in this role must have a strong background in credit analysis, collections, and customer service.

ESSENTIAL FUNCTIONS:

• Engage with customers via phone and email with professionalism and courtesy to address overdue payments.
• Address credit and operational concerns with customers using a diplomatic approach.
• Investigate and reconcile accounts, ensuring accuracy and resolution of discrepancies.
• Provide updates to customers regarding the status of pending orders.
• Collaborate with Warehouse Operations and Customer Service to troubleshoot and resolve issues.
• Conduct audits and implement necessary actions to rectify negative balances.
• Identify accounts suitable for external collection agency involvement and make recommendations.
• Perform basic Accounts Payable and Accounting tasks, including some light accounting duties. 
• Field incoming calls from customers addressing account matters such as Past Due balances, Proforma Orders, and account-related problem resolution.
• Process payments to accounts, collaborating with the accounting team when necessary.
• Utilize TD E-Bill to handle the processing of checks.
• Reallocate payments to accounts as needed.
• Implement a progressive letter-sending approach for collections, including the distribution of past-due letters.
• Prepare accounts for collection procedures.
• Manage aging to ensure customers stay within agreed-upon terms, particularly focusing on accounts exceeding 30 days.
• Actively work to reduce Days Sales Outstanding (DSO) on assigned accounts.
• Collaborate with Sales Representatives, Customers, Customer Service, and TFF to effectively address and resolve issues.

REQUIREMENTS, REASONING ABILITIES AND PHYSICAL DEMANDS: 

• Strong analytical abilities to assess creditworthiness, analyze financial data, and make informed decisions. 
• Ability to think critically and make sound judgments based on financial data, risk assessments, and credit history.
• Must be proficient in Microsoft Excel.
• Excellent organizational, analytical, and problem-solving skills.
• Effective communication and interpersonal skills, with the ability to collaborate and interact with various departments. 
• Must maintain highly confidential and detailed records. 
• Strong written communication skills, with a proven ability to craft professional and concise emails
• Proficiency in using accounting software and ability to learn other/new software.
• Flexibility and adaptability to evolving credit policies, industry changes, and organizational requirements.
• Job requires the use of a computer, phone, calculator, and other technological equipment. 
• Ability to sit throughout the shift.

EDUCATION AND WORK EXPERIENCE:

• High school diploma or equivalent is required.
• 3-5 years in credit analysis, financial analysis, or a related field is often required.
• 3-5 years of customer service experience required.
• Excellent communication and negotiation skills.
• Knowledge of relevant laws and regulations governing debt collection.
• Proficient in using collections software and MS Office applications. 
• Working experience with Infor highly preferred.
• Meticulous attention to detail to ensure accurate credit assessments and reporting.

Essential functions listed in this job description are not all inclusive.  Additional duties and responsibilities may be assigned as needed. 

Benefits and Compensation: 

Comprehensive health insurance package including medical, dental, vision, life insurance, LTD, STD, critical illness, commuter benefits, 401(k) match, employee discount program, Employee Assistance Programs, Telemedicine, etc.

Hourly range: $26-$30 per hour, plus eligibility to participate in the bonus plan.