Credit Representative

Entry-level. Manage receivables through risk assessments for credit policy exceptions, monitoring status and coordinating activities supporting company's customer credit and collections policies for residential and small commercial accounts.

Education:
Bachelor’s degree in business or related area from accredited four-year university is strongly preferred.

Experience:
Six months to two years credit and collections experience required. Banking experience preferred.

Working Conditions
• Normal office environment
• Office Hours: 8am-5pm 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 development of response to 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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