Customer account representative vs credit representative

The differences between customer account representatives and credit representatives can be seen in a few details. Each job has different responsibilities and duties. While it typically takes 6-12 months to become a customer account representative, becoming a credit representative takes usually requires 1-2 years. Additionally, a credit representative has an average salary of $39,268, which is higher than the $36,138 average annual salary of a customer account representative.

The top three skills for a customer account representative include work ethic, inbound calls and customer orders. The most important skills for a credit representative are customer service, customer accounts, and patients.

Customer account representative vs credit representative overview

	Customer Account Representative	Credit Representative
Yearly salary	$36,138	$39,268
Hourly rate	$17.37	$18.88
Growth rate	-4%	-8%
Number of jobs	269,549	73,520
Job satisfaction	-	-
Most common degree	Bachelor's Degree, 46%	Bachelor's Degree, 47%
Average age	40	39
Years of experience	12	2

What does a customer account representative do?

A customer account representative's role is to serve as the primary contact between a company and its clients. They typically reach out to existing and potential customers through calls and correspondence, answer inquiries, address issues and concerns, close sales by offering products and services, process payments, and ensure satisfaction to boost sales and improve client base. Furthermore, as an account representative, it is essential to maintain records of all transactions while adhering to the company's policies and regulations.

What does a credit representative do?

Credit representatives are professionals who analyze the credit data and the financial statements of firms or individuals for the determination of the risk in lending money or extending credit. The representatives are tasked to prepare reports with credit information used in decision making. They manage credit files and process credit reports from different credit reporting sources. They also mentor and coach credit representatives newly hired in corporate procedures and policies. Also, they expand collection procedures and policies to lessen DSO parameter risk.

Customer account representative vs credit representative salary

Customer account representatives and credit representatives have different pay scales, as shown below.

	Customer Account Representative	Credit Representative
Average salary	$36,138	$39,268
Salary range	Between $27,000 And $46,000	Between $28,000 And $54,000
Highest paying City	San Ramon, CA	White Plains, NY
Highest paying state	Alaska	New York
Best paying company	Dairy Farmers of America	Systemax
Best paying industry	Finance	Construction

Differences between customer account representative and credit representative education

There are a few differences between a customer account representative and a credit representative in terms of educational background:

	Customer Account Representative	Credit Representative
Most common degree	Bachelor's Degree, 46%	Bachelor's Degree, 47%
Most common major	Business	Business
Most common college	-	University of Pennsylvania

Customer account representative vs credit representative demographics

Here are the differences between customer account representatives' and credit representatives' demographics:

	Customer Account Representative	Credit Representative
Average age	40	39
Gender ratio	Male, 46.2% Female, 53.8%	Male, 29.5% Female, 70.5%
Race ratio	Black or African American, 12.1% Unknown, 5.2% Hispanic or Latino, 19.9% Asian, 6.5% White, 55.6% American Indian and Alaska Native, 0.7%	Black or African American, 8.3% Unknown, 2.7% Hispanic or Latino, 10.0% Asian, 7.8% White, 71.0% American Indian and Alaska Native, 0.3%
LGBT Percentage	7%	11%

Differences between customer account representative and credit representative duties and responsibilities

Customer account representative example responsibilities.

Manage call center productivity levels by maintaining CSR schedule adherence.
Negotiate rates and pricing with customers, vendors, and logistics partners.
Prepare invoices for all customers in the logistics department at the end of every shipment.
Assist customers with equipment sales and services, troubleshoot issues and concerns, provide support for billing and accounts.
Utilize computer technology to troubleshoot product malfunctions.
Create display PowerPoint presentation used in national refresher training.

Credit representative example 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.

Customer account representative vs credit representative skills

Common customer account representative skills

Work Ethic, 9%
Inbound Calls, 6%
Customer Orders, 6%
Account Management, 6%
Outbound Calls, 5%
Delinquent Accounts, 5%

Common credit representative skills

Customer Service, 22%
Customer Accounts, 6%
Patients, 5%
Credit Card Payments, 4%
Credit Balances, 4%
Payment Arrangements, 4%

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Office and Administrative Industry
Customer Account Representative
Customer Account Representative vs Credit Representative

Updated January 8, 2025

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