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Credit Representative Jobs (NOW HIRING)

Swatch Group

Credit Representative

Miami, FL · On-site

As a Credit Representative with the Swatch Group, you will support both accounts receivable and accounts payable functions, including collections, customer account management, invoice processing ...

Flambeau

Credit Representative

Middlefield, OH · On-site

The Credit Representative's responsibility is to manage customer receivable accounts as assigned to minimize Flambeau's risk and maximize cash flow position. * Assess creditworthiness of current and ...

Swatch Group

Credit Representative

Miami, FL · On-site

As a Credit Representative with the Swatch Group, you will support both accounts receivable and accounts payable functions, including collections, customer account management, invoice processing ...

Century Group

Credit Representative

Denver, CO · On-site

$53K - $58K/yr

Century Group is partnering with a client that is seeking a Credit Representative to join their team. Exact compensation may vary based on skills, experience, and location. Expected starting base ...

Central States

Credit Representative

Tontitown, AR · On-site

Credit Representatives will be responsible for serving internal and external customers of the Credit Department and managing routine credit tasks, including applying cash receipts to customer ...

Global Industrial

Credit Representative

Buford, GA · On-site

Credit Representative Date: Jun 26, 2026 Location: Buford, GA, US, 30518 Global Industrial Corporate Overview For over 70 years Global Industrial has been an industry leader providing private label ...

Dunlop Sports

Credit Representative

Huntington Beach, CA · On-site

$62K - $72K/yr

The Credit Representative is responsible for collecting accounts receivable through collection calls and correspondence in an automated environment. Essential Duties and Responsibilities include the ...

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Credit Representative information

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How much do credit representative jobs pay per hour?

As of Jul 8, 2026, the average hourly pay for credit representative in the United States is $23.19, according to ZipRecruiter salary data. Most workers in this role earn between $19.23 and $25.96 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 the highest paying job in credit?

The highest paying roles in credit typically include senior credit managers, credit directors, or chief credit officers, who oversee credit policies and risk management at an executive level. These positions often require extensive experience, advanced certifications, and strong leadership skills, with salaries reaching six figures or more depending on the organization and location.

What does a credit representative do?

A credit representative evaluates and processes credit applications, reviews financial information, and determines creditworthiness for individuals or businesses. They often use credit scoring tools and must adhere to company policies and regulations to approve or deny credit requests.

What are Credit Representatives?

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.

Will a credit analyst be replaced by AI?

Credit analysts perform tasks such as evaluating creditworthiness and analyzing financial data, which can be partially automated using AI tools. However, human judgment remains important for complex assessments, relationship management, and decision-making that require contextual understanding. AI may assist or augment their work but is unlikely to fully replace credit analysts in the near future.

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, and why are they important?

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 skills do you need to be a Credit Officer?

A Credit Officer needs strong analytical skills to assess creditworthiness, attention to detail, and good communication abilities to explain credit decisions. Knowledge of financial statements, credit reporting, and relevant regulations is essential, along with proficiency in using credit analysis tools and software. Typically, a bachelor's degree in finance, accounting, or a related field is required, and some roles may require professional certifications such as a Credit Risk Certification.
More about Credit Representative jobs
What cities are hiring for Credit Representative jobs? Cities with the most Credit Representative job openings:
Who are the top companies hiring for Credit Representative jobs? The top employers for Credit Representative jobs are:
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Credit Representative jobs near you
Infographic showing various Credit Representative job openings in the United States as of July 2026, with employment types broken down into 84% Full Time, and 16% Part Time. Highlights an 94% Physical, 1% Hybrid, and 5% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.

Credit Representative

Swatch Group

Miami, FL • On-site

Other

Medical, Dental, Vision, Life, Retirement, PTO

Re-posted 9 days ago

Job description

The Company
Swatch Group is the world's number one manufacturer of finished watches. With its 16 watch brands, the Group is present in all price segments, and is also active in the manufacture and sale of jewelry, watch movements and components.
Swatch Group unites, among other companies, the following watch brands under its roof: Breguet, Harry Winston, Blancpain, Glashütte Original, Jaquet Droz, Omega, Longines, Rado, Union Glashütte, Tissot, Balmain, Certina, Mido, Hamilton, Swatch and Flik Flak. The Group has a strong distribution and multi-brand retail net with two sophisticated boutiques under the name of Tourbillon and Hour Passion. Swatch Group is also an important player in advanced nanomechanical, nanoelectronic and Bluetooth technologies essential to watchmaking and other industries.
Job Description
As a Credit Representative with the Swatch Group, you will support both accounts receivable and accounts payable functions, including collections, customer account management, invoice processing, vendor payments, reconciliations, and credit-related administrative activities. You will collaborate with internal teams, brands, and retailers to ensure financial accuracy, timely processing, and strong customer service.
Profile
Primary Duties and Responsibilities
  • Review customer orders on hold daily and release within authorized limits or obtain required approvals.
  • Perform daily collection activities for assigned customer accounts, including past due and upcoming balances.
  • Obtain payment remittance details for unapplied payments within 48 hours whenever possible.
  • Complete monthly customer accounts receivable reconciliations and document action plans for resolution.
  • Maintain accounts receivable and deduction levels within established company guidelines.
  • Partner with brands and retailers to address credit-related needs and support account resolution.
  • Minimize bad debt exposure through proactive account management and collection efforts.
  • Research and resolve customer chargebacks and deductions within established timelines.
  • Process customer credit card payments and provide receipts to the appropriate internal contact.
  • Prepare and distribute customer statements and other requested account information in a timely manner.
  • Maintain accurate and current customer master data and submit updates as needed.
  • Document collection efforts and retain customer records in accordance with internal control requirements.
  • Prepare customer account offsets and required adjustments prior to month-end close
Additional Responsibilities
  • Provide support for special projects, reporting, and other assignments as directed by the Credit Manager or senior management.
  • Maintain confidentiality of financial, customer, and company information.
  • Collaborate with team members to ensure deadlines, service expectations, and compliance standards are met.
  • Support process improvement efforts within AR and credit operations.
  • Work additional hours as needed to meet business demands and critical deadlines.
Requirements
Education and Experience Requirements
  • Associate degree in Accounting, Finance, or a related field preferred.
  • Minimum of two years of experience in finance, credit, accounts receivable, collections, chargebacks, or reconciliations required.
  • Experience working in a high-volume transactional environment preferred.
Physical Requirements:
  • Must be able to operate a computer and other standard office equipment.
  • Must be able to communicate effectively, including speaking and hearing.
  • Ability to bend, stoop, reach, and perform repetitive hand and finger movements.
  • Must be able to lift, move, and carry up to 25 pounds on an occasional basis.
Additional Skill Requirements:
  • Proficiency in Microsoft Office, including Word, Excel, and Outlook.
  • Experience using SAP or similar ERP/accounting systems preferred.
  • Working knowledge of accounts receivable, collections, reconciliations, and basic credit processes, including order review, release and order management.
  • Strong written and verbal communication skills in English.
  • Strong organizational, time management, and problem-solving skills.
  • Ability to manage multiple priorities in a fast-paced environment.
  • Strong attention to detail and commitment to accuracy.
  • Ability to work independently and as part of a team.
  • Professional demeanor with strong interpersonal and customer service skills.
  • Ability to handle confidential information with discretion.
  • Self-motivated, dependable, and adaptable to changing priorities.
This description outlines the basic responsibilities and requirements for the role. This is not a comprehensive listing of all job duties of the Credit Representative. Duties, responsibilities and activities may evolve or change at any time with or without notice.
Benefits Program
The Swatch Group is an equal opportunity employer that promotes diversity and is committed to environmental sustainability.
  • Excellent health, dental and vision insurance (employee and dependents are eligible 1st of the month following 30 days; generous employer contribution)
  • Immediate participation in the 401(k) and 100% vested employer match after one year (maximum 4% employer match with 5% employee contribution)
  • Company paid life insurance and Long Term Disability
  • 18 days of PTO per year
  • Special bucket of sick time per year extended paid time for medical, parental and military leave
  • Holiday pay
  • Voluntary FSA, STD, Accident/Hospital Indemnity insurance
  • Employee product discount

For more information please see https://transparency-in-coverage.uhc.com/
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