Pros
the bonus money is great, if you can get it. The bonus money decreases with every goal that you do not get, as well as the goal increases every quarter. When you GENUINELY help someone, even though that is few and far between. They buy you breakfast every Thursday, so that's cool.
Cons
THEY CUT THE HOURS FROM 40 TO 37... IN AN EMAIL TO THE BRANCHES. This only effects the loan specialists, everyone else is salary. My manager made it abundantly clear that it doesn't really matter, its great for them because they get to come in later and they're still salary so we'll figure it out. The loan do not help most customers, they are "sold" to customers who are already into debt a ridiculous amount. Another way we "sell" loans is by "refi and cash out" aka giving more money to people who are behind to catch their current account up, boost our sales, and then restart their interest. The customers have NO idea what pre computed means, even after its explained, they don't realize that their initial payments mostly go to interest, so paying it off in half the time doesn't save them as much as they would think. The insurance products we sell are a SCAM. Someone who does not have a car on their loan and is the only person on the loan, does not need 2k in credit life insurance on a 5k loan. This is ridiculous. They are financing credit insurance products that sometimes double the amount of their loan... thats just dumb. On to the managers, they do whatever they feel they want to do. My manager personally has her spouse call several times a day, to the point i have their phone number memorized. My manager would have their phone out the entire day, but forbid us from even checking our phone throughout the day. My manager was constantly texting or on the phone with friends, other managers, spouse, etc. UNLESS someone like our DM, ADO or anyone from corporate was there. Also, the micromanaging is intolerable. I still do not know how to do somethings in CLASS due to my manager just doing it for me, yet getting angry when I do not know how to do it. Favoritism is shown the entire time, to a point someone left our office with that being the reason. I can't really complain about this I was one of the "favorites" so I exceeded my goals each and every month. You have to work Saturdays, but to ensure you do not get over 37 hours, you will have to "comp out time" and come in late just so that they do not have to pay you overtime. This is just an overall avoid if you can at all. If you cannot avoid, you will wear many hats. Some of those include: Lendor, Insurance agent, Debt Collector, Counselor, Bounty Hunter (you will work up repos), make all of your files, Cold Call, etc. Just be prepared for your day to be hectic and you will not get everything done. This means that you will be in trouble some days. Just be prepared.
