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Credit Representative Jobs in Texas (NOW HIRING)

M&D Services

Credit Representative

Humble, TX · On-site

Credit Representative The Credit Representative plays a crucial role in managing and maintaining the financial relationships between the company and its clients. This position is responsible for ...

The Diesel Store

Credit Representative

Humble, TX · On-site

The Credit Representative plays a crucial role in managing and maintaining the financial relationships between the company and its clients. This position is responsible for assessing credit ...

Matheson Tri-Gas, Inc.

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

Matheson Tri-Gas, Inc.

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

Matheson Tri-Gas

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

Matheson Inc.

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

Matheson Tri-Gas, Inc.

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

Matheson Tri-Gas, Inc.

Credit Representative

Irving, TX · On-site

$24 - $26/hr

Credit Representative Essential Functions Perform analysis of Dun & Bradstreet credit report profiles to analyst payment trends and overall business viability Prepare and present complete credit ...

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How much do credit representative jobs pay per hour?

As of Aug 22, 2026, the average hourly pay for credit representative in Texas is $21.61, according to ZipRecruiter salary data. Most workers in this role earn between $17.93 and $24.18 per hour, depending on experience, location, and employer.

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.

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 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 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.

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 are popular job titles related to Credit Representative jobs in Texas?

For Credit Representative jobs in Texas, the most frequently searched job titles are:

What job categories do people searching Credit Representative jobs in Texas look for?

The top searched job categories for Credit Representative jobs in Texas are:

What cities in Texas are hiring for Credit Representative jobs?

Cities in Texas with the most Credit Representative job openings:

What are popular job titles related to Credit Representative jobs in TX?

For Credit Representative jobs in TX, the most frequently searched job titles are:

Credit Representative jobs near you
Infographic showing various Credit Representative job openings in Texas as of August 2026, with employment types broken down into 1% As Needed, 85% Full Time, 12% Part Time, and 2% Contract. Highlights an 65% Physical, 1% Hybrid, and 34% Remote job distribution, with an average salary of $44,942 per year, or $21.6 per hour.

Credit Representative

M&D Services

Humble, TX • On-site

Other

Posted 10 days ago

Job description

Credit Representative

The Credit Representative plays a crucial role in managing and maintaining the financial relationships between the company and its clients. This position is responsible for assessing credit applications, monitoring outstanding accounts, and ensuring timely collection of payments to support the company's cash flow and minimize financial risk. The role requires effective communication with customers to resolve billing issues, negotiate payment plans, and provide credit information. The Credit Representative collaborates closely with sales, finance, and customer service teams to ensure accurate credit evaluations and adherence to company credit policies. Ultimately, this position contributes to the company's financial health by balancing customer satisfaction with prudent credit management.

Minimum Qualifications:

  • High school diploma or equivalent; associate or bachelor's degree in finance, business, or related field preferred.
  • Proven experience in credit analysis, collections, or a related financial role.
  • Strong understanding of credit principles, financial statements, and risk assessment.
  • Proficiency with credit management software and Microsoft Office applications.
  • Excellent communication and negotiation skills.

Preferred Qualifications:

  • Experience working in a credit representative or credit analyst role within a similar industry.
  • Familiarity with relevant laws and regulations governing credit and collections.
  • Certification in credit management (e.g., Certified Credit Professional) is a plus.
  • Ability to analyze complex financial data and make sound credit decisions.
  • Experience with CRM systems and advanced Excel skills.

Responsibilities:

  • Evaluate credit applications by analyzing financial data and credit reports to determine creditworthiness.
  • Monitor customer accounts to identify overdue payments and initiate collection activities as necessary.
  • Communicate with customers to resolve billing discrepancies, negotiate payment arrangements, and provide credit-related information.
  • Maintain accurate records of credit transactions, customer interactions, and payment histories in the company's database.
  • Collaborate with internal teams such as sales and finance to ensure credit policies are followed and to support business objectives.

Skills:

The Credit Representative uses analytical skills daily to assess credit applications and evaluate financial data, ensuring informed credit decisions. Strong communication and negotiation skills are essential for interacting with customers to resolve payment issues and establish mutually agreeable payment plans. Organizational skills help maintain detailed records and manage multiple accounts efficiently. Proficiency in credit management software and Microsoft Office enables accurate tracking and reporting of credit activities. Additionally, collaboration skills facilitate effective teamwork with sales and finance departments to align credit practices with overall business goals.

Note

M&D provides equal employment opportunity to all qualified applicants and employees without regard to race, color, sex, religion, national origin, age, sexual orientation, gender identity, marital status, familial status, disability, military status, and genetic information.

This job posting does not state or imply that these are the only duties to be performed by this employee. The employee will be required to follow any other instructions and to perform any other duties requested by their leader.

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