Credit Manager

Summary:

Manage the day to day Co-op credit functions with a high focus on customer service, internal and external.  Monitor and pursue collection of delinquent consumer accounts.  Coordinate with the Director of Credit on Heartland Credit Company, LLC responsibilities.

Essential Duties and Responsibilities:

• Monitors past due accounts, sending appropriate default notices and contacting customers via telephone. Potential for variable working hours in order to maximize telephone collection effectiveness.
• Coordinates with others including personnel at company locations to exchange information and monitor past due accounts.
• Assists in answering customer questions and concerns, specifically accounts receivable and credit related questions.
• Reviews credit applications, obtains personal credit bureau scores and approves credit accounts within set guidelines.
• Processes and monitors returned checks, sending letters to customers and contacting via telephone.
• Assists the Director Credit of Credit with various credit related tasks.
• Must maintain valid driver’s license and commercial insurability at all times.
• Other duties as assigned by management. 

Work Environment:

The work environment characteristics described here are representative of those an employee encounters while performing the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

The noise level in the work environment is usually moderate.

Physical Demands:

The physical demands described here are representative of those that must be met by an employee to successfully perform the essential functions of this job. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

While performing the duties of this job, the employee is frequently required to sit; use hands to finger, handle, or feel; reach with hands and arms and talk or hear. The employee must occasionally lift and/or move up to 20 pounds. Specific vision abilities required by this job include Close vision and Ability to adjust focus.

Lift Level: Light

Exerting up to 20 pounds of force occasionally, and/or up to 10 pounds of force frequently.  Required walking or standing to a significant degree; or requires sitting most of the time but entails pushing and/or pulling of arm or leg controls.

Competency:

To perform the job successfully, an individual should demonstrate the following competencies:

• Problem Solving - Identifies and resolves problems in a timely manner.
• Customer Service – Manages difficult or emotional customer situations in an effective manner.
• Communication – Speaks clearly and persuasively in positive or negative situations. Demonstrates clear and accurate written communication to customers and other employees.
• Quantity - Meets productivity standards.                               

Qualifications:

To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.

Education/Experience:

Associate's degree (A. A.) or equivalent from two-year college or technical school required, bachelor’s degree preferred; or four to five years related experience and/or training; or equivalent combination of education and experience.

Language Ability:

Ability to read and interpret documents such as credit applications, procedure manuals and simple contracts.  Ability to write routine reports and correspondence.  Ability to speak effectively before groups of customers or employees of organization.

Math Ability:

Ability to calculate figures and amounts such as discounts, interest, commissions, proportions, percentages, area, circumference, and volume. Ability to apply concepts of basic algebra and geometry.

Reasoning Ability:

Ability to solve practical problems and deal with a variety of concrete variables in situations where only limited standardization exists. Ability to interpret a variety of instructions furnished in written, oral, diagram, or schedule form.

Computer Skills:

To perform this job successfully, an individual should have knowledge of accounting software, spreadsheet, and word processing software.

Certificates and Licenses:

Must maintain valid driver’s license and commercial insurability at all times.

Supervisory Responsibilities:

This job has no supervisory responsibilities.