branch manager

mortgage banker

customer service representative

loan officer

business development specialist

Nations-Lending

I worked at the NLC Loans corporate office call center in Independence, Ohio for a little over a month. My production was consistently picking up and I felt good about my work. During training I was told about the possibilities of production warning and that if I didn't produce I could be in danger of losing my job. I understand, if you aren't putting up the numbers, it is what it is the company needs to make money. On August 1st I was congratulated by my team lead that morning for hitting a daily high (led the cc team in transfers the previous day). I won my first power hour for leading the call center in transfers for a chunk of time before lunch. It felt like I was really getting it down and then after lunch, one of the team leads tapped me on the shoulder and took me into a conference room. There my employment was terminated immediately without cause nor warning, anything at all. That morning everyone in management was so welcoming to me and then in the snap of fingers I felt as though I was being exiled after I was refused to gather a few items from my desk and then escorted out of the building. They said the reason I was fired was for "organizational changes". I later found out about 40 or so other employees were fired without cause. I had a good time working at NLC loans. I treated everyone I met respectfully and truly wanted to make a career out of the opportunity I was given. I don't understand why they told me the company was trying to rapidly expand and a couple weeks later fire nearly a third of the company. I don't understand why NLC would hire me telling me I could turn my opportunity into a career only to fire me a month later, not for lack of production but for organizational changes.

The culture is laid back, and employees have flexibility with their schedule and dress code. Lots of knowledgeable people too. My immediate manager and peers were usually helpful and pleasant.

Upper management doesn't care about you here. They make it seem like it, but they don't. Absolute cluelessness when it comes to guiding a company through troubled waters. Lots of staff cuts, demotions, and consolidating roles in the operations department. For example, they fired half of operations, gave their responsibilities to the Assistants, and assigned every LO an assistant. Having an assistant was supposed to be tantamount to a "30% pay raise" . Not only was that not the case, but the opposite turned out to be true. They were overwhelmed and could not effectively do their job. I found myself putting in more work than before, with my assistant only getting in the way (not their fault). This is a tough market, but it's laughable how they've handled everything. This is just one example, I could go on all day about poor decisions made here.

Training, when I went through it, wasn't so bad. Learned a lot and pay was decent.

If you are looking at working here, don't fall for the pie in the sky. In this environment, you have to work your butt off to make very little. At times I made less than a line cook while working 50+ hours a week, having been told that I could easily make 6-figures with that kind of effort. Not a great time to join this industry, but if you do I would recommend looking elsewhere.

Recruited me away from steady employment then I was laid off just under a year later. Responsible for starting a new team within an existing department; team grew and took on a tremendous amount of work, and excelled. In the end, I was let go about a week shy of 1 year with the company. In the end, they kept an employee who had family ties who was cheaper to pay with no degree. No loyalty unless your last name was the same as the owner, or you went to HS with him/his family. I felt like it was pointless to have gotten my degree - many of my co-workers had no degrees and their only training started with NLC.

However, the year that I was there was great. Great culture, friendly atmosphere, great employees & managers. I received excellent pay, the benefits were great, but expensive ($202/mon for a single person). Company outings and regular team-bonding events. Nice employee break room. 

NLC seemed to overly enjoy wining and dining their employees for that feel-good factor...but then when rates went back up in mid-2013, they didn't have it in their budget to keep some great employees. Then, in an effort to save-face, only a few months after the massive layoffs, they were again funding the Great Mortgage Giveaway - which is a great cause, don't get me wrong - but not when you just laid off hundreds of people in order to 'save money'...?

My work days are always eventful, productive, and competitive.  Attitude is everything in this business. At NLC Loans your attitude will reflect your level of success. Your work ethic will determine your future with this company; as it would with any other employer.  The management is extremely supportive, and always eager to listen. Training is always available to constantly improve your work skill.  If you are eager to learn and be productive; they offer the right tools and sales training.  My coworkers are absolutely amazing, and some of the greatest people in my life.  They make everyday a little bit brighter.  The hardest part of the job is being in a cyclical industry, but Nations Lending has always been able to create opportunity after opportunity for me to be successful in an ever changing market.  The most enjoyable part of my job is the rewarding feeling I get from working my hardest, and the acknowledgement that comes with it!  They are constantly running contests, and rewarding employees for their hard work and production.  They have paid for several of my vacations over the years, and you have to love those gift cards.  Nations Lending Corp. is my home away from home!

The people were great.  Loved the energy of the meetings, the sales teams all shared ideas.  Underwriting was helpful easy to reach.  You could pick up the phone and actually reach people/help.  The two biggest issues were systems and marketing.  Encompass, as a platform it is a nightmare.  I've used it before so its not a one off.  It's slow, its cumbersome, very manual  process to do anything.  hours to get disclosures out.  Trying to get final docs out, the people were there to do it but it would take hours for every file.  which by encompass standards was good.  but there are so many better systems out there.  current system elsewhere docs out in minutes.  The other thing was marketing.  They promise video editing, so many jump cuts it was cringeworthy.  The social media stuff was good, they auto post in your feeds for you.  quality.  the "genie" team that makes calls for you.   I could have hired a group of middle schoolers to make the calls and had it be better.  Several different times this happened.  Oh give it another try...name wrong, dates times wrong, invites not sent, set appointments for you and the party would have no idea who or why you were calling.  and when it was wrong, marketing team was unapologetic for how that impacted reputation.  

The job is not for everyone, but if you work hard, enjoy working with people and are competent with numbers and finances, there's not better place to work. One of the flaws of the mortgage industry is the lack of training, but NLC has an entire training department for Loan Officers to ensure they are doing the business the right way. I have always worked incredibly hard and held myself to a high standard of professionalism and because of that, many doors opened within the organization. Working for NLC changed my entire life. It changed my life professionally & financially. I have had the privilege of working with incredibly intelligent coworkers and bosses that have taught me about the proper way to do business and treat consumers.

I honestly cannot imagine working anyone else. I am able to earn an income beyond anything I dreamed I could earn, yet sleep well at night knowing that it was earned because of proper business practices and high moral character of the owners of the company. The job is best for those that hustle and have an entrepreneur mindset. I have always been a fast paced individual, so it aligns with my skillset. It's definitely the place to be if you are thinking long-term career.

To keep this as professional and accurate as possible so candidates can make an informed decision when accepting a position within this company. 

There is no job security here. They will lay you off without notice anytime they feel. It is super hectic in this place. The place is going down fast. New middle managers were hired and quickly decided to hire their old co workers AFTER they have laid off the employees who were loyal to Nations for YEARS! New middle management are somehow coming into Nations making it toxic. It is truly a nightmare. Extra work for those who are employed. Not only will they take away your pay they will demote you and give alot more responsibility and keep you stressed. No work life balance or culture.  A lot of compliance issues.  Please run. I could go on. I will not. I’ve said enough. I will say they state they have a good culture. Absolutely not. They laid off whole branches with no guilt. Anywhere but here!!




Coming in the door you never would think judging by the fake smiles and pleasantries that this company is corrupt. I worked for a loan officer a t one of their branch offices who was the absolute epitome of horrible. I mean bigoted, corrupt, verbally and emotionally abusive, sexually inappropriate, conniving and drugs would be brought into the office by their addict relatives!  Loan officer constantly  tried to take me and  another lady out for drinks “after hours” without our husbands constantly staring at chests butts, talk about customers and low class they were call them a**holes, etc. they told customers to lie about their income to qualify for loans and then that would screw them when it would come time for the mortgage payment to be paid. The loan officer avoided customers like the plague never wanted to speak to anyone unless he was screaming and berating his employees. They are racist there and it is disgusting!

Nations lending corp is a wonderful company to work for! As a CCR and previous Junior B  I have had the opportunity to work with a variety of management and employees.. I personally couldnt ask for a better employer! Their generosity, and caring for the public as far as donations to a variety of charities, having charity events , The Big Mortgage Giveaway to a family in need ect.. I could go on and on .. The participation from the entire company not only the management is unbelievably heart warming!! The training and ability to advance, the promoting  from within is just outstanding and well organized! This has a very work friendly environment that makes it a pleasure to come to work everyday! i personally feel honored to work for such a well rounded company and excited for many years to come!

If you want to be a commodity, a number, a metric, this is the place for you. However, if you want to be treated with respect and human decency, look elsewhere. You will be expected to do things perfectly with 0 training and horribly archaic resources. Even though they just invested a ton of money in the latest suite of Microsoft gadgets, it doesn't do you any good if no one uses them to communicate important information. 
You'll need to wait a year to make contributions to your 401k, and the plan they've picked is riddled with unnecessary fees.
The people who are great at their jobs will get buried in extra work and have to cover for the ones who just can't cut it. 
You will lose all credibility with your customers when you miss their closing dates because the corporate process adds days if not weeks to the timeline.

Top Job Titles	Average Salary
Branch manager 61 salaries reported	$118,000 per year
Mortgage banker 13 salaries reported	$80,458 per year
Customer service representative 15 salaries reported	$19.15 per hour
Loan officer 8 salaries reported	$126,577 per year
Business development specialist 1 salary reported	$62,479 per year

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