Credit Specialist

Analyzes payment patterns of customers who are delinquent in payment, and provides support and direction by performing the following essential duties and responsibilities.

· Review portfolio and select delinquent accounts for collection efforts

· Evaluate customer records and make sound business decisions on accounts, while still maintaining focus on customer intimacy

· Deduction management – review and resolve short pays

· Monitor payment history and purchase activity of customers

· Assign terms and credit limits to current and prospective customers

· Interview customers by telephone to investigate discrepancies on accounts

· Share information and resources with other team members to enhance the development of the group

· Maintain a customer service focus to build and sustain productive internal and external customer relationships

· Contribute to the continuous improvement of internal credit policies

· Assist in development of credit rating criteria and internal scoring models

· Prepare credit and collection correspondence as necessary

· Confer with representatives of credit associations and other businesses to exchange information concerning credit ratings and forwarding addresses

· Operate a personal computer and appropriate software

· Work with other departments throughout the company to help remove obstacles that may prevent customer payment

· Cross trains in other areas of the department to strengthen the team and provide assistance to internal and external customers, without delay, in the absence of another team member

· Serves as designated department resource for information and decision making regarding day-to-day processes, while ensuring accuracy and consistency with regard to Credit policies and procedures

· Thorough understanding of lien laws and requirements for filing Notices, Liens, and Releases

· Thorough understanding of and the ability to create Credit related financial reports

· Provide back-up to Assistant Credit Manager in compiling audit-related financial documents

· Assess new tools such as credit card processing portals and collection software from a user standpoint to determine compatibility with PGT business needs

· Able to perform all job functions of the Credit Representative and back up Admin Assistant

· Mentor and train new hires in the department

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 and/or EXPERIENCE

· Accounting skills

· Customer service skills

· On the job training – minimum 3 years