Credit Representative

Locate, notify, and secure payments from customers with delinquent accounts by sending text messages, mailing notices, and conferring via phone or in-person visits to determine reasons for overdue payments. Document all correspondence, receive payments, and post amounts to customer accounts while maintaining and balancing assigned cash drawers. Travel to customers' homes as required to collect late payments or assist with merchandise repossessions upon Store Manager approval. Prepare paperwork for legal action against severely late-paying customers and initiate credit investigations for new applicants. Log daily work activities, process documentation, and operate office equipment to complete essential functions.