loan advisor

customer service representative

quality assurance specialist

collection agent

collection manager

Bridgecrest

I started working there and thought it would be a nice fun job with a great company culture. I have a degree and graduated cumlaude and they hired me at a wage lower than someone who had a high school degree working in the same position. That should have been my first concern. 

I gave them the benefit of the doubt and started work. My first two weeks there I experienced a very serious health problem and had to tell my manager I needed to leave to go to the hospital. She responded by threatening my job, telling me she would take away my future PTO, and asking me what the health issue was, if it was really an emergency, and then asking if I could reschedule my emergency. I ended up leaving at the end of the work day due to her threats, and when I got to the hospital was told the health issue was much more severe than I had initially thought. I had to take the whole next day off which was a Friday, just before the weekend. When I returned to work I was immediately and aggressively approached and was demanded I gave my manager my sick note, so I gave her it. After she had it in her possession, she and several other managers gathered in front of me and other employees and began discussing the authenticity of my sick note in front of everyone. It was mortifying and degrading. I should have walked out right then.

The job itself was boring. They took 2 weeks to train me and I was literally a middle-man whose work didn't actually matter because it was being looked over by 2 other groups after me. It was tedious only due to the constant repetition and there was no switching it up, it was the same thing everyday. I also was constantly scolded and berated for any small mess up or mix up and was constantly threatened with disciplinary action for silly reasons, i.e. one day I clocked in 1 minute late and was told I might get fired (the same day the clock-in/out system was down for everyone). I was threatened to be fired for my quality, although I had one of the higher numbers for quality of the entire group. I was threatened for coming back from my break 1 minute late. I was followed into the bathroom and threatened while I was in the stall because I had used the restroom "too many times" that day. I was threatened to be fired because I wasn't making numbers for the day, even though everyone in the same section was failing to meet those numbers. Everyone was scolded and threatened constantly while the standards and things we were being threatened for were not even set or consistent due to upper management. 

Management was extremely disorganized and what ended up tipping me over the edge is that they called us into a meeting and gave us 1 day notice of a complete 1 hour schedule change, in this case 8am-5pm to 7am-4pm. While this didn't necessarily affect me, it was extremely disrespectful and tone-deaf to employees who have children who had set schedules and were already on a schedule which were based on the 8am-5pm times. It was also really disrespectful to everyone as well due to a literal 1 days notice with no warning or lead up. The second and final push was a 1 days notice that we would have a new manager the next day. This is definitely in no manner the new managers fault, but upper management was so disorganized and hasty that they only gave us 1 days notice AGAIN of a big change. When I put in my two weeks they gave me an in-lieu the next day along with 4 other employees, all on the same day, and another 3 the beginning of the next week. There is obviously a reason there is such high turnover.

Overall they treated every employee terribly, they were severely disorganized, and were unprofessional. The pay was okay, however, the job itself makes your brain feel like jelly due to literally doing the same thing over and over again every day. I do not recommend for your own sanity.

The Good: 
You will learn EVERYTHING you need to know about the auto industry in a lienholder setting, you will be exposed to every facet of the business. You will become a professional, an excellent stepping stone, especially for those who are switching industries/careers.

For people who want "just a paycheck/just a job" while still having weekends off with the family, this is probably a great place to work as you can put in minimal effort and still get a regular paycheck. The actual material in the day-to-day is quite simple.

The Bad:
Managers get swapped around between departments at any given moment creating green managers in highly specific job descriptions (be prepared to train your boss!). The pay is too low for the expectations that continue to climb a peg higher every week. I felt like a cog working here.

People who work hard and become very good at what they do are closed off from opportunities for advancement, they are told that they are "too valuable" to move forward. Hard work is never positively rewarded, be cautious of how much effort you put into your position here -- even if you're not looking for a promotion/advancement. You will be stretched extremely thin if you show you are competent in your position and you will be told that if you want advancement you need to take on heavy workloads - which is NOT factual. Hard workers do not receive advancement here, people who make friends with the "right connections" do. Terms like " self branding" are used to cover up the nepotism that takes place in these walls. Another term that makes me want to flip tables is "fast-paced", they use this one to describe their completely chaotic and undirected environment.

The raises are laughable for those who actively carry an actual work ethic. Bonuses are toyed with a lot, and at this compensation level, your bonuses matter. The compensation, in general, is 35-55% below industry standards.

In my personal experience while working here I do not enjoy it. The company makes it seems like a very cultural place to work and its not. If you are interviewing as a Loan Advisor, you may want to know in advance that you are being hired as a debt collector. This is why the pay is a little higher and starts at 16$ an hour. You sit and make calls all day, everyday. I try to stay positive about my work environment but there is A LOT of drama here. You are working with people of all ages. They are constantly changing the rules and regulations for calls which can result in you getting docked. Also, this IS  a goal setting job! If you do not hit your monthly goal  they make it seem like you just dont receive the bonus that month, but if you continue not to hit your goal you will be put on an action plan and fired. I believe that this is a ruthless company and the only reason people are willing to work here is because they are receiving OK pay for sitting and getting yelled at by people who dont want to pay their car payments. 
Please keep in mind that you will not get front loaded any sick time or PTO when starting or after 90 days like they tell you. You accrue 3.25 hours every 2 WEEKS towards PTO. So asking for time off or using PTO is hard to do and they will make you feel guilt if you ever call-out or are sick. The turn over rate is high and this is sadly just a money hungry company that says they are about their customers and employees, but really don't.

The company is difficult to work for. The managers do not want you to succeed, and if they do not like you they are sure to let you know. If you over perform you become a threat to them and they try to fire you. There is no work life balance and you are required to work weekends. There is no room for growth and especially if the manager has it out for you. I watched so many people from my department get fired because the manager would find one person they had an issue with and ensure they were fired. They also are super stressful and put a ton of pressure on the employees. They had changed our department, duties, hours, and job functions 4xs over the span of a couple months. When asking questions about it during the meeting you are told you are unprofessional because the director does not like conflict. You cannot do anything right with this company and are constantly put down. I left this company in the nick of time as they were trying to fire me. I was their highest performer, I never was absent, and always on time. The manager felt threatened by me and instead of a good job for performing, I always got a "let me guess you are excelling." Hands down worst company I have EVER worked for. Don't do it, it is not worth the headache.

A very fun and open culture. It feels like a family when you come in. There is an open door policy and all the executives and directors are out on the floor with you! No Offices! Lots of morale boosting activities and contests. There are spirit weeks and pot lucks at least on a monthly basis. Very nice, clean and updated building with multiple break and lunch areas and 2 gyms on site. 

A typical work day involves making outbound phone calls to past due customers. Talking through the customer’s situation and creating payment plans to get the customer back on track. Conversations with customers can be tough at first if you are new to collections, always implement feedback and suggestions to help with your performance. 

You will learn effective communication skills. Negotiation skills. Multiple computer applications. The professional development received is amazing. Tell your leadership team what your goals are and they will give you the feedback required to get you there.

The company is bleeding talent. There’s no opportunities for advancement since each department has its own set pay rate, so switching to a new area requires a cut in pay. Once you transition through the various collections departments you are stuck. It’s as if the company only recognizes its loan servicing side of the business. Operations is often placed on the back burner despite being the backbone of the company. Management constantly asks for feedback than punishes those who provide it. The training for new hires is abysmal and the company loves playing musical chairs with its managers- so the only people who have any understanding of how things work are tenured reps. And as bonuses continue to drop and micromanagement continues to rise, those with the most knowledge are often pushed out whether intentionally or not. It’s a shame because they do try to promote the employee experience, but small gestures are no substitute for compensation and advancement.

Working at the company I switched to about 10-12 different managers/teams within the span of about 1.5 years. In that time I was paid fairly okay wages but dealt with disrespect from parts of management as well as from the offshore associates. The PTO accrual rates were so small and VTO was not always available. Overtime is required for Saturday shifts but flexible for regular Monday-Friday shifts when available which is not convenient. The equipment would sometimes give out or stop working and it would be time taken from my paycheck when i was not able to clock in or stay logged in for the duration of my shift. My technological issues were never resolved and I was never reimbursed for upgrading my internet to assist a small portion of the technological issues. I appreciate receiving the remaining PTO in my final check, however the technological issues were only blamed on me to the end of my term there. 

Collections is never an easy job, however there is more of customer service collection style at Bridgecrest.  The problem here is management and the lack of job security.  I personally did not experience that issue, but I have been witness to unfair practices to employees that weren't so well liked by management.  The culture of the call center has gone down significantly.  There are a few decent managers, but for the most part, the managers will throw employees under the bus to save themselves or for advancement opportunities.  There is a high turn over rate for a reason.  I chose to leave because working there and watching the way people were being treated was too much for me to bare in silence each and every day. I had the opportunity to advance but never did it, due to the lack of integrity within management.  The hardest part of the job wasn't being cursed out by customers behind on their car loans, the hardest part was being micromanaged and mistreated, mislead and at times just lied to.

Company itself is a scam. They speak on how “transparent” they are but when you have doubts about staying with company and express to them that you wish you stay the force you to resign from a resign notice that you did not give. Company hours are for dogs and they don’t care about any of their employees. I’ve never worked a call center job that required you to be back at work in less than 12 hours as if we don’t have responsibilities and lives outside of the office. If the department you’re in doesn’t hit, you don’t get your full bonus, not even 75% of it. Try being in the top performer list month after months but getting pennies compared to what you have worked hard for. Management will find ways to get you out of the door if you speak your mind or if they don’t like you. I want all of my hours back that I’ve wasted with this scam company and I’ll give them their pennies back. They fire people on a daily, someone is walking out every week. This is not a stable, secure work environment. I’ve never worked at a place that managers lied so freaking much.

The job itself isn't that hard, pay is good so are the benefits but what they dont tell you is how soul crushing the atmosphere is. It used to be a nice high energy workplace now it's a loud negative high school like environment. Everyone is talking about everyone else. There are office mean girls, hope you can stay out of their way because if you have a run in with one of them and you actually tell someone they wont do anything except say stay away from each other. They can harass you, be straight up just nasty to you, talk bad about you, poison other people against you and nothing will be done. It seems the louder and more ghetto you are then you can be off the phones and socializing instead of working and they wont say anything to you. There isnt much room for growth unless you're popular with upper management other than that you will stay in the same position stuck, no matter how many times you express wanting to grow. Overall the pay and benefits arent worth losing your mind, being bullied, or never growing with the company.

Top Job Titles	Average Salary
Loan advisor 3 salaries reported	$23.33 per hour
Customer service representative 3 salaries reported	$20.00 per hour
Quality assurance specialist 14 salaries reported	$16.21 per hour
Collection agent 3 salaries reported	$20.33 per hour
Collection manager 9 salaries reported	$48,889 per year

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