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Become A Credit Representative

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Working As A Credit Representative

  • Getting Information
  • Interacting With Computers
  • Communicating with Supervisors, Peers, or Subordinates
  • Documenting/Recording Information
  • Communicating with Persons Outside Organization
  • Deal with People

  • Unpleasant/Angry People

  • Mostly Sitting

  • Repetitive

  • $76,987

    Average Salary

What Does A Credit Representative Do

Bill and account collectors try to recover payment on overdue bills. They negotiate repayment plans with debtors and help them find solutions to make paying their overdue bills easier.

Duties

Bill and account collectors typically do the following:

  • Find consumers and businesses who have overdue bills
  • Track down consumers who have an out-of-date address by using the Internet, post office, credit bureaus, or neighbors—a process called “skip tracing”
  • Inform debtors that they have an overdue bill and try to negotiate a payment
  • Explain the terms of sale or contract with the debtor, when necessary
  • Learn the reasons for the overdue bills, which can help with the negotiations
  • Offer credit advice or refer a consumer to a debt counselor, when appropriate

Bill and account collectors generally contact debtors by phone, although sometimes they do so by mail. They use computer systems to update contact information and record past collection attempts with a particular debtor. Keeping these records can help collectors with future negotiations.

The main job of bill and account collectors is finding a solution that is acceptable to the debtor and maximizes payment to the creditor. Listening to the debtor and paying attention to his or her concerns can help the collector negotiate a solution.

After the collector and debtor agree on a repayment plan, the collector continually checks to ensure that the debtor pays on time. If the debtor does not pay, the collector submits a statement to the creditor, who can take legal action. In extreme cases, this legal action may include taking back goods or disconnecting service.

Collectors must follow federal and state laws that govern debt collection. These laws require that collectors make sure they are talking with the debtor before announcing that the purpose of the call is to collect a debt. A collector also must give a statement, called “mini-Miranda,” which informs the account holder that they are speaking with a bill or debt collector.

Although many collectors work for third-party collection agencies, some work in-house for the original creditor, such as a credit-card company or a health care provider. The day-to-day activities of in-house collectors are generally the same as those of other collectors.

Collectors usually have goals they are expected to meet. Typically, these include calls per hour and success rates.

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How To Become A Credit Representative

Collectors usually must have a high school diploma. A few months of on-the-job training is common.

Education

Most bill and account collectors are required to have a high school diploma, although some employers prefer applicants who have taken some college courses. Communication, accounting, and basic computer courses are examples of classes that are helpful for entering this occupation.

Training

Collectors usually get 1 to 3 months of on-the-job training after being hired. Training includes learning the company’s policies and computer software and learning the laws for debt collection in the Fair Debt Collection Practices Act, as well as their state’s debt-collection regulations. Collectors also may be trained in negotiation techniques.

Important Qualities

Listening skills. Collectors must pay attention to what debtors say when trying to negotiate a repayment plan. Learning the particular situation of the debtors and how they fell into debt can help collectors suggest solutions.

Negotiating skills. The main aspects of a collector’s job are reconciling the differences between two parties (the debtor and the creditor) and offering a solution that is acceptable to both parties.

Speaking skills. Collectors must be able to speak to debtors to explain their choices and ensure that they fully understand what is being said.

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Credit Representative Jobs

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Credit Representative Career Paths

Credit Representative
Accounts Receivable Specialist Accountant Account Manager
Account Director
9 Yearsyrs
Collections/Accounts Receivable Accounts Receivable Specialist
Accounts Receivable Manager
6 Yearsyrs
Service Representative Client Services Manager Client Manager
Client Account Manager
6 Yearsyrs
Collections Specialist Loan Processor Senior Loan Processor
Client Relations Manager
6 Yearsyrs
Finance Analyst Account Manager Client Services Manager
Client Relationship Manager
7 Yearsyrs
Accounts Payable Clerk Billing Specialist Collections Specialist
Collections Manager
5 Yearsyrs
Collections Specialist Inside Sales Representative Territory Sales Manager
Commercial Account Manager
8 Yearsyrs
Credit Analyst Credit Manager
Credit And Collection Manager
7 Yearsyrs
Collections/Accounts Receivable Credit Analyst
Credit Manager
5 Yearsyrs
Office Manager General Manager Account Manager
Key Account Manager
7 Yearsyrs
Service Representative Inside Sales Representative Director, Inside Sales
Lead Generator
5 Yearsyrs
Senior Credit Analyst Senior Finance Analyst Business Development Manager
Recruitment Manager
7 Yearsyrs
Accounts Receivable Specialist Specialist Account Manager
Regional Accounts Manager
8 Yearsyrs
Office Manager Account Manager Regional Sales Manager
Regional Sales Director
11 Yearsyrs
Senior Credit Analyst Credit Manager Branch Manager
Relationship Manager
6 Yearsyrs
Credit Manager Branch Manager Account Manager
Sales Account Manager
6 Yearsyrs
Credit Manager Office Manager Account Manager
Senior Account Manager
7 Yearsyrs
Accounts Payable Clerk Accounts Receivable Specialist Credit And Collections Analyst
Senior Credit And Collections Analyst
7 Yearsyrs
Credit Analyst Finance Analyst Assistant Vice President
Vice President And Manager
10 Yearsyrs
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Do you work as a Credit Representative?

Help others decide if this is a good career for them

Average Length of Employment
Credit Clerk 3.1 years
Credit Assistant 2.8 years
Collection Analyst 2.7 years
Representative 2.1 years
Top Employers Before
Cashier 6.7%
Teller 6.3%
Collector 2.6%
Bookkeeper 2.6%
Top Employers After
Teller 4.2%
Supervisor 3.7%
Cashier 3.6%
Accountant 3.0%

Do you work as a Credit Representative?

Credit Representative Demographics

Gender

Female

69.8%

Male

28.3%

Unknown

1.8%
Ethnicity

White

62.2%

Hispanic or Latino

17.1%

Black or African American

11.2%

Asian

5.9%

Unknown

3.6%
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Foreign Languages Spoken

Spanish

73.2%

French

8.5%

Carrier

2.8%

Mandarin

2.8%

Chinese

1.4%

Vietnamese

1.4%

German

1.4%

Korean

1.4%

Persian

1.4%

Dari

1.4%

Polish

1.4%

Arabic

1.4%

Sinhala

1.4%
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Credit Representative Education

Schools

University of Phoenix

23.7%

Trident Technical College

7.7%

Strayer University

7.1%

Southern New Hampshire University

6.4%

University of Houston

5.1%

Ashford University

4.5%

Ohio State University

3.8%

American InterContinental University

3.8%

Mesa Community College - Boswell

3.2%

Middle Tennessee State University

3.2%

Houston Community College

3.2%

Bergen Community College

3.2%

University of Wisconsin - Milwaukee

3.2%

University of Minnesota - Twin Cities

3.2%

University of Memphis

3.2%

Liberty University

3.2%

American University

3.2%

Essex County College

3.2%

Greenville Technical College

3.2%

University of South Florida

2.6%
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Majors

Business

36.9%

Accounting

14.6%

Finance

7.2%

Criminal Justice

4.6%

Health Care Administration

4.1%

Management

3.4%

Medical Assisting Services

3.2%

General Studies

2.9%

Nursing

2.8%

Psychology

2.6%

Marketing

2.6%

Human Resources Management

2.3%

Communication

1.9%

Education

1.8%

Liberal Arts

1.7%

English

1.7%

Computer Science

1.6%

Economics

1.5%

Information Technology

1.3%

Elementary Education

1.2%
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Degrees

Bachelors

37.1%

Other

30.0%

Associate

14.6%

Masters

9.8%

Certificate

6.4%

Diploma

1.2%

License

0.4%

Doctorate

0.4%
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Top Skills for A Credit Representative

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  1. Credit Card
  2. Customer Service
  3. Financial Statements
You can check out examples of real life uses of top skills on resumes here:
  • Completed preliminary work for credit card applications.
  • Communicated daily with customer service representatives, sales personnel, and business managers in order to discuss resolutions for problem accounts.
  • Processed and re-evaluated credit applications for potential and existing clients by analyzing current financial statements and computing various credit evaluation indicators.
  • Received incoming telephone calls and provided professional customer service help to customers with questions on delinquent accounts.
  • Assisted Customers in resolving payment issues by negotiating payment arrangements and initiating payment investigations.

How Would You Rate Working As a Credit Representative?

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Top Credit Representative Employers

Jobs From Top Credit Representative Employers

Credit Representative Videos

Inside Look - How Does a Credit Union Differ from a Bank? - Bloomberg

What Is an APR? – Credit Card Insider

A day in the life of a BBVA Compass Financial Advisor

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