How to hire a credit representative

How to hire a credit representative, step by step

Here's a step-by-step credit representative hiring guide:

• Step 1: Identify your hiring needs
• Step 2: Create an ideal candidate profile
• Step 3: Make a budget
• Step 4: Write a credit representative job description
• Step 5: Post your job
• Step 6: Interview candidates
• Step 7: Send a job offer and onboard your new credit representative
• Step 8: Go through the hiring process checklist

What does a credit representative do?

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1. Identify your hiring needs

   The credit representative hiring process starts by determining what type of worker you actually need. Certain roles might require a full-time employee, whereas part-time workers or contractors can do others.

   Determine employee vs contractor status

   Is the person you're thinking of hiring a US citizen or green card holder?

   Yes

   No

   A credit representative's background is also an important factor in determining whether they'll be a good fit for the position. For example, credit representatives from different industries or fields will have radically different experiences and will bring different viewpoints to the role. You also need to consider the candidate's previous level of experience to make sure they'll be comfortable with the job's level of seniority.

   This list presents credit representative salaries for various positions.

   Type of Credit Representative	Description	Hourly rate
   Credit Representative		$13-25
   Mortgage Analyst	Mortgage analysts are financial professionals who are responsible for executing mortgage or loan applications by assessing financial risks and rewards. These analysts are required to analyze the financial and supporting documents on incoming applications to determine whether they are consistent with the internal and insurer policies... Show more	$6-37
   Commercial Credit Analyst	A commercial credit analyst is primarily in charge of assessing a client's credit or loan application, ensuring that they are fit to uphold financial obligations. Their responsibilities typically revolve around coordinating different departments to gather necessary client data, reviewing financial histories, verifying the authenticity of requirements, and developing financial profiles... Show more	$22-45

   Show more

2. Create an ideal candidate profile

   Common skills:

   • Customer Service
   • Customer Accounts
   • Patients
   • Credit Card Payments
   • Credit Balances
   • Payment Arrangements
   • Past Due Balances
   • Financial Statements
   • Collection Calls
   • AS400
   • ACH
   • Inbound Calls
   • Credit Limits
   • Credit Applications

   Check all skills

   Responsibilities:

   • Manage portfolio utilizing AS400 and GetPaid systems.
   • Manage all credit files and process credit reports from various credit reporting sources including TRW and Dunn & Bradstreet.
   • Manage customer relations with internal personnel, group administrators, brokers and members as related to Medicare insurance.
   • Apply customer credit card and ACH payments.
   • Perform the posting of checks refunds and credit cards into the AS400 database.
   • Collect invoices through wire payment, ACH payments, and overnight mail options.

   More credit representative duties

3. Make a budget

   Including a salary range in the credit representative job description is a good way to get more applicants. A credit representative salary can be affected by several factors, such as the location of the job, the level of experience, education, certifications, and the employer's prestige.

   For example, the average salary for a credit representative in Missouri may be lower than in New York, and an entry-level engineer typically earns less than a senior-level credit representative. Additionally, a credit representative with lots of experience in the field may command a higher salary as a result.

   Average credit representative salary

   $39,268yearly

   $18.88 hourly rate

   ---

   Entry-level credit representative salary

   $28,000 yearly salary

   Updated February 1, 2026

   Average credit representative salary by state

   Rank	State	Avg. salary	Hourly rate
   1	New York	$55,190	$27
   2	California	$44,705	$21
   3	Florida	$42,133	$20
   4	Pennsylvania	$40,022	$19
   5	Massachusetts	$39,239	$19
   6	Ohio	$38,817	$19
   7	New Jersey	$36,244	$17
   8	Virginia	$35,646	$17
   9	Georgia	$34,581	$17
   10	Texas	$33,791	$16
   11	Minnesota	$33,667	$16
   12	Colorado	$33,458	$16
   13	South Dakota	$33,162	$16
   14	Alabama	$33,147	$16
   15	North Dakota	$33,114	$16
   16	Illinois	$32,224	$15
   17	South Carolina	$31,981	$15
   18	Nebraska	$31,188	$15
   19	Indiana	$30,060	$14
   20	Tennessee	$27,860	$13

   Average credit representative salary by company

   Company

   Rank	Company	Average salary	Hourly rate	Job openings
   1	Systemax	$47,509	$22.84
   2	Resorts World Catskills	$46,277	$22.25
   3	Hamilton Beach	$46,205	$22.21	1
   4	Land O'Lakes	$46,153	$22.19
   5	Citi	$45,752	$22.00	20
   6	Guidehouse	$45,645	$21.94	19
   7	Beaumont Health	$44,736	$21.51
   8	Ocean Casino Resort	$43,618	$20.97
   9	Resorts Casino Hotel	$43,517	$20.92
   10	Baptist Health Care	$42,970	$20.66
   11	Henry Schein	$42,321	$20.35	2
   12	Ecolab	$41,061	$19.74	3
   13	Cemex	$40,366	$19.41	1
   14	Tower Federal Credit Union	$40,299	$19.37
   15	Tenet Healthcare	$40,248	$19.35	7
   16	M&T Bank	$40,029	$19.24	18
   17	Schools	$39,639	$19.06
   18	Dahl Consulting	$39,639	$19.06	1
   19	Global Industrial Technologies Inc	$39,570	$19.02	2
   20	Mohegan Sun	$38,994	$18.75	1

4. Writing a credit representative job description

   A job description for a credit representative role includes a summary of the job's main responsibilities, required skills, and preferred background experience. Including a salary range can also go a long way in attracting more candidates to apply, and showing the first name of the hiring manager can also make applicants more comfortable. As an example, here's a credit representative job description:

   Credit representative job description example

   is hiring a Credit Representative to contribute to our Lightening Source team in LaVergne, TN, just outside Nashville. We offer hybrid schedules for a mix of onsite and remote work.
   
   In this role, you will establish and support accounts receivable-related Credit/Collection functions for ICG. You will ensure efficiency, accuracy, and timely processing of transactions, including order release, account receivable collections, accounts payable offsets, and reconciliation functions for assigned accounts. In addition, you will support existing Credit Representatives with managing account receivable portfolios (including Australia and United Kingdom offices), customer issues, order releases, etc., during outages. You will be also expected to maintain current knowledge of AR, Billing Systems, various contracts, publisher websites, Home-state Tax Requirements, and Corporate Procedures for various Ingram Divisions.
   Want to join a key team that helps the world read?
   
   At Ingram, our Accounting and Finance teams are collaborative, and innovative and are recognized as change agents, partnering with skilled professionals across the country to generate new, impactful ideas. We are proactive, evolving and highly respected in our industry. We are flexible, have fun, and foster professionalism. Our focus on providing exceptional customer support differentiates us from competitors.
   
   The world is reading, and it is our goal to connect as many people to the content they want in the simplest ways. If you are a professional in accounting and finance that is seeking a stable, adaptable team, we can't wait to meet you!
   
   Required Qualifications:
   
   High school diploma or equivalent year for year experience
   
   2 years of previous Credit/Collections experience OR 2 Years of Ingram Customer Care experience
   
   1 year of experience with communication to/from customers on the telephone and via email (MS Outlook)
   
   1 year of experience creating spreadsheets in MS Excel, including creating basic mathematical formulas and data manipulation
   
   Preferred Skills:
   
   Experience and understanding of payables
   
   Experience with sales tax
   
   Experience with credit reporting and monitoring
   
   Key Responsibilities:
   
   Provides account management for active Ingram customers or assigned accounts, including daily order release, based on established guidelines.
   
   Monitors and updates customer account status and/or collection activity in the note system.
   
   Initiates, drafts and submits credit review recommendations (including reduction of credit limit when warranted) to management for consideration/approval.
   
   Assesses customer account information to determine if respective credit limits should be increased to support orders as routed for credit review.
   
   Contacts customers proactively after review with department management when assigned credit limit exceeds orders, a special order is submitted, a past due balance prohibits the release of orders, etc.
   
   Recommends credit hold and communicates such action across different Org Id's (AU/UK) as appropriate.
   
   This list is not exhaustive

   Copy this example

   

5. Post your job

   There are a few common ways to find credit representatives for your business:

   • Promoting internally or recruiting from your existing workforce.
   • Ask for referrals from friends, family members, and current employees.
   • Attend job fairs at local colleges to meet candidates with the right educational background.
   • Use social media platforms like LinkedIn, Facebook, and Twitter to recruit passive job-seekers.

   Post your job online:

   • Post your credit representative job on Zippia to find and recruit credit representative candidates who meet your exact specifications.
   • Use field-specific websites such as efinancialcareers, financialjobsweb.com, careerbank, financial job bank.
   • Post a job on free websites.

6. Interview candidates

   To successfully recruit credit representatives, your first interview needs to engage with candidates to learn about their interest in the role and experience in the field. You can go into more detail about the company, the role, and the responsibilities during follow-up interviews.

   It's also good to ask about candidates' unique skills and talents. You can move on to the technical interview if a candidate is good enough for the next step.

   The right interview questions can help you assess a candidate's hard skills, behavioral intelligence, and soft skills.

7. Send a job offer and onboard your new credit representative

   Once you've selected the best credit representative candidate for the job, it's time to write an offer letter. In addition to salary, this letter should include details about the benefits and perks you offer the candidate. Ensuring that your offer is competitive is essential, as qualified candidates may be considering other job opportunities. The candidate may wish to negotiate the terms of the offer, and you should be open to discussion. After you reach an agreement, the final step is formalizing the agreement with a contract.

   It's equally important to follow up with applicants who don't get the job with an email letting them know that the position has been filled.

   Once that's done, you can draft an onboarding schedule for the new credit representative. Human Resources should complete Employee Action Forms and ensure that onboarding paperwork is completed, including I-9s, benefits enrollment, federal and state tax forms, etc. They should also ensure that new employee files are created for internal recordkeeping.

8. Go through the hiring process checklist

   • Determine employee type (full-time, part-time, contractor, etc.)
   • Submit a job requisition form to the HR department
   • Define job responsibilities and requirements
   • Establish budget and timeline
   • Determine hiring decision makers for the role
   • Write job description
   • Post job on job boards, company website, etc.
   • Promote the job internally
   • Process applications through applicant tracking system
   • Review resumes and cover letters
   • Shortlist candidates for screening
   • Hold phone/virtual interview screening with first round of candidates
   • Conduct in-person interviews with top candidates from first round
   • Score candidates based on weighted criteria (e.g., experience, education, background, cultural fit, skill set, etc.)
   • Conduct background checks on top candidates
   • Check references of top candidates
   • Consult with HR and hiring decision makers on job offer specifics
   • Extend offer to top candidate(s)
   • Receive formal job offer acceptance and signed employment contract
   • Inform other candidates that the position has been filled
   • Set and communicate onboarding schedule to new hire(s)
   • Complete new hire paperwork (i9, benefits enrollment, tax forms, etc.)

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How much does it cost to hire a credit representative?