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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 ...

Reece Group

Credit Representative

Dallas, TX

Credit Representative Working at Reece & Fortiline means being part of a growing global company that brings our purpose and values to life every day. We celebrate our team members living our values ...

Flambeau

Credit Representative

Middlefield, OH

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

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 ...

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 ...

EMS

Senior Credit Representative

Lake Worth, FL · On-site

Position Summary The Senior Credit Representative is responsible for managing high volume accounts and acquisition accounts, focusing on collections and credit analysis. This role involves evaluating ...

Century Group

Credit Representative

Denver, CO

$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 ...

EMS

Credit Representative

Lake Worth Beach, FL

Position Summary Under general supervision, the Credit Representative is responsible for evaluating customer creditworthiness, managing assigned accounts, and ensuring timely collection of ...

Global Industrial

Credit Representative

Buford, GA

Credit Representative Date: Apr 29, 2026 Location: Buford, GA, US, 30518 Global Industrial Corporate Overview For over 70 years Global Industrial has been an industry leader providing private label ...

Mohegan

Credit Representative

Uncasville, CT

Must complete and pass the Credit Representative Certification Program * Knowledge of ACSC, Datamagine, Central Credit, NCC, Equifax, Experian, and SharePoint Physical Demands and Work Environment:

Reece Group

Credit Representative

Addison, TX · On-site

To learn more about our purpose and values, visit our career site at The Credit Representative is responsible for assisting the overall accounts receivable portfolio assigned to them as it relates to ...

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How much do credit representative jobs pay per hour?

As of May 29, 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 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 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 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.

What jobs make $3,000 a month without a degree?

A Credit Representative typically earns around $3,000 or more per month, especially with experience and strong communication skills. Other jobs that can reach this income level without a degree include sales roles, administrative assistants, and certain customer service positions, often requiring on-the-job training or certifications. These roles may involve working in office environments, retail, or call centers.

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.

More about Credit Representative jobs
What cities are hiring for Credit Representative jobs? Cities with the most Credit Representative job openings:
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What states have the most Credit Representative jobs? States with the most job openings for Credit Representative jobs include:
What are popular job titles related to Credit Representative jobs? For Credit Representative jobs, the most frequently searched job titles are:
Credit Representative jobs near you
Infographic showing various Credit Representative job openings in the United States as of May 2026, with employment types broken down into 77% Full Time, 22% Part Time, and 1% Temporary. Highlights an 91% Physical, 1% Hybrid, and 8% Remote job distribution, with an average salary of $48,239 per year, or $23.2 per hour.
Senior Credit Representative

Senior Credit Representative

Eastern Metal Supply

Palm Springs, FL

Other

Posted 7 days ago

Job description

Position Summary
The Senior Credit Representative is responsible for managing high volume accounts and acquisition accounts, focusing on collections and credit analysis. This role involves evaluating credit histories, preparing reports for credit analysts, and ensuring timely updates to A/R credit files. The representative collaborates with credit manager and supervisor to maintain account accuracy and credit queue releases.
Essential Duties/Responsibilities
The following duties are typical of those performed by employees in this job title; however, employees may perform other related duties, and not all duties listed are necessarily performed by each employee with this job title.
  • Maintaining effective control of all assigned accounts in accordance with guidelines established in the Credit Policy
  • Closely monitor cash receivables, establish credit relationships with credit- worthy companies and collect balances within established credit terms
  • Communicate with inside and outside sales representatives regarding credit decisions, delinquencies, deliveries, credit holds and other information needed
  • Initiate calls to customers with accounts that are past due for payment
  • Manage all ageing reports, and work to resolve open receivables with assigned credit representatives
  • Work closely with credit representatives to address any account-related issues and provide guidance as needed.
  • Answer incoming calls from customers to resolve billing and invoicing discrepancies
  • Conduct regular account reviews with Credit Manager/Supervisor to ensure compliance and accuracy
  • Manage and prioritize accounts within the credit queue to facilitate timely shipping releases
  • Generate email correspondence and make sound credit decisions on problematic accounts
  • Analyze credit histories and submit requests for credit line increases or updates, particularly for accounts not reviewed in over a year
  • Prepare and present reports related to account status, collections, and credit history updates
  • Any other requests by credit manager or supervisor
Qualifications
To perform this job successfully, an individual must be able to perform each essential duty satisfactorily. The requirements listed below are representative of the knowledge, skill, and/or ability required. Reasonable accommodations may be made to enable individuals with disabilities to perform the essential functions.
  • Previous experience in credit management or collections, preferably in a senior role.
  • Strong analytical skills, attention to detail, and excellent communication abilities.
  • Experience with credit evaluations processes, aging analysis, and credit release queues
Education
  • Bachelor's degree in Business or related field preferred
  • Experience with credit and collection management will be considered

Experience/Skills/Abilities Required
  • Experience in evaluating credit worthiness and understanding risk factors associated with extending credit.
  • Background in developing and implementing effective collections strategies to minimize bad debt.
  • Experience in reconciling accounts and resolving discrepancies efficiently.
  • Familiarity with managing customer relationships and providing exceptional service, even in challenging situations.
  • Proficiency in identifying issues and developing effective solutions to resolve account disputes or delays.
  • Excellent organizational skills to manage multiple accounts, tasks and deadlines efficiently.
  • Keen eye for detail to ensure accuracy in credit assessments and A/R accounts.
  • Strong verbal and written communication skills for clear interaction with customers and team members.
  • ability to adapt to changing regulations and credit and collection policies as evolving business needs
  • Capability to mentor and lead other credit representatives, fostering a collaborative work environment.
  • Proficiency with Microsoft Office and financial analysis tools

Work Environment/Physical Demands
Typical office environment - moderate noise level. This position regularly requires standing; walking; sitting; use hands; reaching with hands and arms; and talking and/or hearing. Occasional lifting and/or moving up to 25 pounds.

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