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Credit Representative Jobs in Colorado (NOW HIRING)

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Credit Representative information

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$13

$24

$34

How much do credit representative jobs pay per hour?

As of Aug 8, 2026, the average hourly pay for credit representative in Colorado is $24.39, according to ZipRecruiter salary data. Most workers in this role earn between $20.24 and $27.31 per hour, depending on experience, location, and employer.

What are some common challenges a credit representative faces when assessing customer creditworthiness?

Credit Representatives often encounter challenges such as evaluating incomplete or inconsistent financial information, balancing risk while meeting company sales goals, and communicating credit decisions diplomatically to customers. They must stay updated on evolving credit policies and regulations, and may need to collaborate closely with sales and collections teams to resolve disputes or negotiate payment terms. Effective problem-solving and strong interpersonal skills are essential for navigating these complexities and ensuring both customer satisfaction and company financial health.

What is a credit representative?

Credit Representatives are professionals who evaluate and process credit applications, manage customer accounts, and assist with resolving credit-related issues. They work for financial institutions, retail companies, or other organizations that offer credit to customers. Their responsibilities include assessing creditworthiness, setting credit limits, monitoring payments, and communicating with clients about account statuses. By ensuring that customers meet payment terms and handling any disputes, Credit Representatives help organizations minimize financial risk and maintain healthy cash flow.

Do you need a degree to be a credit representative?

A degree is not typically required to become a credit representative, but employers often prefer candidates with a high school diploma or equivalent. Relevant skills such as customer service, attention to detail, and knowledge of credit procedures are important, and some positions may require certification or training programs.

What is the difference between Credit Representative vs Credit Analyst?

AspectCredit RepresentativeCredit Analyst
Required CredentialsTypically high school diploma or equivalent; some roles may require industry-specific certificationsBachelor's degree in finance, accounting, or related field; professional certifications like CFA or CPA are common
Work EnvironmentOffice setting, interacting with clients and sales teamsOffice setting, analyzing financial data and credit reports
Employer & Industry UsageUsed by banks, finance companies, and lending institutions for customer credit managementUsed by financial institutions, credit bureaus, and corporations for risk assessment

While both roles involve credit management, Credit Representatives primarily handle customer interactions and credit applications, whereas Credit Analysts focus on evaluating financial data to assess credit risk. Understanding these differences helps in choosing the right career path or job search focus within the credit industry.

What are the key skills and qualifications needed to thrive as a credit representative?

To thrive as a Credit Representative, you need a solid understanding of credit analysis, financial documentation, and risk assessment, often supported by a background in finance or accounting. Familiarity with credit management software, CRM systems, and sometimes certification like the Credit Business Associate (CBA) is beneficial. Strong negotiation, attention to detail, and effective communication skills help manage client relationships and resolve disputes. These abilities are essential for making sound credit decisions, minimizing risk, and maintaining positive client interactions.
What are popular job titles related to Credit Representative jobs in Colorado? For Credit Representative jobs in Colorado, the most frequently searched job titles are:
What job categories do people searching Credit Representative jobs in Colorado look for? The top searched job categories for Credit Representative jobs in Colorado are:
What are popular job titles related to Credit Representative jobs in CO? For Credit Representative jobs in CO, the most frequently searched job titles are:
Credit Representative jobs near you
Infographic showing various Credit Representative job openings in Colorado as of July 2026, with employment types broken down into 100% Full Time. Highlights an 100% In-person job distribution, with an average salary of $50,724 per year, or $24.4 per hour.

Contact Center Representative

Climb Credit Union

Arvada, CO • On-site

$21/hr

Full-time

Medical, Dental, Vision, Life, Retirement, PTO

Posted 8 days ago

Job description

Description

Climb Credit Union is hiring for a Contact Center Representative who is responsible for assisting new and existing members with their financial needs. This is accomplished by interviewing members by telephone or in person, analysis of credit bureau reports; to identify financial needs and sales opportunities; initiate computer-based credit applications; analyze credit scores and makes routine business decisions; sells financial products and services to members; and answers member inquiries about Climb Credit

Union products and financial services.


Why Climb Credit Union?

  • As not-for-profits and member-owned financial cooperatives, credit unions are incredibly unique institutions. Earnings are returned to members in the form of better rates, lower fees and great services. Be a part of a movement that pays it forward!
  • Climb Credit Union was founded in 1951. We're a stable, successful and growing financial institution, which is why we need you.
  • A suite of outstanding benefits is available to employees who work 20 or more hours a week. In addition to healthcare, dental and life insurance, 401(k), personal time off, we offer employee discounts on loans and other perks as well.
  • Learn a ton with our on-the-job training programs and set yourself up for career and personal financial success.
  • Climb Credit Union has been recognized as a top place to work by The Denver Post in 2024, 2025 and 2026! This award recognizes our positive work environment and goal of fostering employee satisfaction, and it's truly a testament to our efforts.

PERKS OF CLIMB CREDIT UNION

  • 401K Employer match to 100% of 6% of your contribution
  • Medical, Dental, Vision Insurance
  • PTO (Paid Time Off) 2 additional personal days (Floating)
  • VTO (Volunteer Time Off) 16 hours
  • 11 Paid Holidays
  • Employee Assistance plan focuses on wellness, mental health -  8 free sessions offered
  • Tuition Reimbursement
  • Employee loan rate reduction
  • Discounts on Climb Credit Union loans and services
  • Financial Investment/Counseling
  • Employee events throughout the year

Check out this video to learn what drives us at Climb and how we make a difference every day,  https://www.youtube.com/watch?v=XPGES8a9OSs  

https://youtu.be/FeEw2UqGudo  (Spanish)


Requirements


What Will You Be Doing?

  • Provide quality member service through accurate and professional telephone and face-to-face conversations to include: opening new memberships by following the new account procedure, 
  • initiate credit applications and identify financial product and service needs, prepare documents and close loans for scanning and filing, and perform account maintenance for all Climb Credit Union share, draft and loan products. 
  • Identifies cross-sell opportunities and cross-sells products and services beneficial to members. This includes building a pipeline through outbound calling and building referral sources to increase loan and account penetration. 
  • Promote and educate members on the credit unions products and services based on members needs that are uncovered from member conversations.
  • Accountable for meeting members needs and answering questions by maintaining a strong knowledge of products and services.
  • Responsible for complying with policy and procedures documents as well as all financial regulations. 
  • Refers issues beyond their authority to the next level, along with their recommended solutions. 
  • Accurately input and maintain member loan/account information on computer system.
  • Assures that appropriate records are maintained and required reports/tasks processed.
  • Assist in the training of other employees. 
  • Share your knowledge to assists co-workers on effective practices, procedures and policies and provide meaningful member service.
  • Perform profile and account maintenance updates per member request and obtain and scan required documents.
  • Ability to analyze member credit reports and make financial recommendations to members to enhance their financial well-being.

Qualifications:   

  • One to three years of similar or related experience.
  • A high school education or GED. 
  • Previous experience with financial institutions.


 This is a full-time, non-exempt position with an hourly rate starting at $21.00 hourly, depending on experience, education and qualifications.

If you're ready to Rise & Thrive, create unforgettable experiences for our members, and play a meaningful role in the growth of a thriving organization, we'd love to hear from you!


We value diverse experiences and encourage candidates who meet most, but not all qualifications to apply.  





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