Credit Representative

Full Time
Summary: 
Manage receivables through risk assessments for credit policy exceptions, monitoring status, and coordinating activities supporting the company’s customer credit and collections policies for residential and small commercial accounts.
Education:
  • Bachelor’s degree in business or related area from an accredited four-year university is strongly preferred.
Experience:
  • Six months to two years of credit and collections experience required.  Banking experience preferred.
Working Conditions
  • Normal office environment
  • Office Hours: 8 am – 5 pm Monday-Friday.
  • Overtime required when necessary.
  • Work may involve dealing with people in an unpleasant or strained situation.
  • Occasional Travel
Role Specific Duties/Responsibilities: 
  • Apply the company’s credit and collection policies, practices, and procedures to the credit requirements of designated customer accounts.
  • Review files, reports, and credit bureau documents, and financial statements of customers to ensure they meet deposit requirements.
  • Extend credit to customers in accordance with established policy and terms.
  • Analyze customer’s financial situations and determine whether to extend credit beyond established policy criteria.
  • Analyze credit risk for aggregated portfolios of customers as well as individual accounts.
  • Carry out the established program for the follow-up and collection of accounts receivable.
  • Communicate requests with management for special applications for credit that are outside of standard policies and procedures.
  • Investigate and prepare findings to complaints from customers for the development of a response to the Public Utility Commission, consumer advocates, media, and management.
  • Evaluate customer eligibility (i.e. low-income status) for PUC-mandated activities and programs.
  • Process development and implementation of credit policies/procedures.
Role Specific Knowledge, Skills, and Abilities:
  • Proficient mathematical/analytical skills.
  • Ability to communicate clearly with customers using a telephone instrument or in-person while maintaining composure and control.
  • Must be able to work independently and multi-task.
  • Ability to read and understand contractual documents and prepare company correspondence.
  • Analyze customer accounts, spreadsheets, and databases to resolve customer issues.
  • Must be detail-oriented with a focus on accuracy and completeness.
  • Must be able to communicate effectively in oral and written form.
  • Flexible to adapt effectively to new and changing responsibilities and situations
  • Proficient in MS Office applications, including Word, Excel, and other related applications.
  • Positions available for English-only and English/Spanish speaking representatives a plus.
  • Skip tracing experience a plus

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