assistant manager

branch manager

product manager

supervisor

recruiter

Regional Finance

The job training is mostly self taught computer aided learning. A typical day involves, Taking, payments both in person and over the phone. Taking loan applications, selling insurance, reviewing other people's work for accuracy. Having to do collections for deliquent accts, Solicitations, Filing, & all other office duties. Skip tracing and playing private investigator, to locate customers. Putting miles on your personal vehicle for post office runs, bank runs ,and occasional company paid for lunch pickups and unnecessary manditory last min meetings that could ve held via zoom or team meeting or training. Most stressful job ever. Everything is rush, rush. Mandatory late nights pop up at the last min for collections and your expected to change any plans that you have for afterwork. Then they don't half the time wanna give overtime but want you to offset time. Making it really hard to have a work too life balance. Then there is to 2 Sat work days a week. Plus don't have a paid holiday that falls on a Monday at the last Saturday of the month because they would hate fir you to have a 3 days weekend, so prepare to work and still only have 2 days at most and sometime just a day and a half. They send out emails all day about non work-related stuff. They harrass you to spend money on Xmas socks, reindeer Antlers, etc basically a week worth of spend money dress up and your email is nonstop with company pictures all day, but they complain about checking you email but you may have over 100 to 500 emails a day sometimes. There are complaints if you miss a important email. SMH. You can get terminated for not selling enough insurance, or not hitting units and then they brag about how they will never pay out unemployment. Do you know that you can make more money selling insurance on your own independantly. Who do you think is making the money off of you selling insurance. Definitely Not You! Plus let's talk about hitting Units. They don't even send out the targets until mid month. It's like they watch to see how much every does in the 1st 2 weeks, then the send out targets. You can't hit a bulls eye if they keep moving the target. When to many people start bonusing in one area they. The they change the bonus structure. Just like when they took away Net New Money. Only the people that work here are have worked here will understand. If you value piece of mind, work/ home life balance and would like to work for a company that is not going to rip people off with high interest rates, are rush people through document signings then this is not the place for you. Upper management needs to be restructured. Managers should be able and capable of working a full shift like their subordinates. 

 At first it was pretty decent it seemed very challenging at times but I mean as long as you have the proper training and what not then you’ll feel confident when you get to those challenges. I received some training keyword SOME it’s a later and I still don’t feel confident doing most of the things I do here. And I’m actually a very quick learner and ask a lot of questions. But sometimes this company will make you feel like you’re asking too many questions and make you feel not as comfortable to ask questions because you might get a slight attitude from your peers for asking a question that they say you should know the answer to basically. With This job YOU do a lot of things but it seems as if they pile stuff on top of you one thing after another and then the compensation is pretty minimal and unsatisfactory. The bonuses can be good you have goals you have to reach each month to get those bonuses so in a way It can kind of make up for the unsatisfactory raises they offer each year.  I feel like if you’re going to add more to someone’s plate then you should compensate them for it. As far as management it leaves a lot to be desired. There is favoritism I feel. Some of them will make you feel like you’re dumb honestly. And the lack of training is annoying. Now I understand companies go through a lot of change as far as policy procedures completely understand that but this company seems to have a new policy or procedure every day every other day every 12 hours there’s something different. And they expect you to remember all of this. They expected you to read all emails which is not a problem but if for some reason you happen to miss the email you’ll probably Get scolded for not reading the email when they send a lot per day so god forbid you miss one and something comes up and they will  be like well did you not read the email. Well OK if the email came why not have a group meeting to discuss that email to make sure everybody’s on the same page? Seems like a logical thing to do right?  This company I can’t see myself staying much longer. Just the way they treat their employees sometimes gets under my skin. I believe Regional has a lot to work on especially if they want to keep good workers. If you treat your workers good they won’t mind staying for you. I know everyone has bad days no one’s gonna be happy or chipper every day but when you get to work and if your upper management employee associate CSR whatever you are you need to have on a fake it until the end of the day type attitude at least act like you’re in a good mood....And then you have multiple goals to try to achieve each month but it seems like the company only sees what you don’t do ....rather than what you’re trying to do and what you have achieved ...
It’s rare you’ll get a pat on the back to say good job you’re improving its more so oh my god you’re not there yet?

This is the most unprofessional company I have ever worked for. Do not be fooled by the company values because no one goes by them. You will be micromanaged, talked about, and make you feel belittled. You’re blessed if you get the chance to work in a professional establishment with amazing people because it is hard to find in this company. They do not care if you have a personal issue, they don’t care if you have a family. They will expect you to suck it up and work! Late nights? You’ll get them! Work on Saturday’s? You’ll have to work those too! Call out sick? They’ll throw it in your face the next day or the next time you need to call out or need a vacation. Managers do not like to help their employees and are expected to do almost everything. The company has what is called an “Open Door Policy” which means if you are not comfortable talking to your manager or supervisor you are allowed to talk to whoever about your situation. Well guess what, you better not do that because your immediate manager/supervisor will say you went “over them”. You are expected to call 125 accounts daily, solicit every customer upon contact, meet your goal or 40 loans per month, sell insurances and Auto Plus plans, work on new incoming furniture and live check accounts and if you do not meet your goals, you will be threatened with your job. Why stress over a company that could care less about you and your well being? Everyone is replaceable. The turn over rate is ridiculous! The upper management is not even worried about the employees who stay and have to work understaffed due to everyone quitting and still expect you to meet your goals, it makes no sense. The company has the nerve to provide an “employee survey” which talks about what changes we want to see made within the company yet no one has mentioned the results or what they are planning to do. It’s an never-ending cycle with these people. They need to get it together, if not, then they better not be surprised if all of their employees start to leave. If you are reading this, you deserve better. Please do not work here. Want to work for a place that follow their company values, care about you, your well being, your family, YOUR EDUCATION? Then do not work here.

Where to start. 
Upper management is obsessed with micromanaging. And ensure that the company itself will always pay the victim card when customer accounts fall delinquent. 
The company and corporate managers pressure ground level employees to unethically sell additional and optional insurances WITHOUT informing customers. 
Upper management will always find a way to pass the blame for the failure of the company on a national level, to the ground level employees. 
Overtime is non-existent and not allowed by the company. If you clock over 40 hours per week, you essentially get written up and punished. 
The schedule is “allegedly” fixed for Monday - Friday and the last Saturday of the month….. unless someone in upper management decides that your office needs to perform better. In which case, you “get” to work extra hours at the office and additional weekends. (Keep in mind that overtime is still not allowed…. Yet they require you to stay late and work additional weekend hours?) 
Upper management has absolutely zero hesitation in shaming the lowest performing individuals both in region wide emails, as well as in monthly recap calls. Recognizing the top performers as well as calling out the lowest performers in the same breath. 
I have never been so appalled by the treatment of floor level employees from upper management as I was at Regional Finance. They seem to find every possible reason and opportunity to belittle, pressure, and demean their branch level employees. 
Don’t even get me started on the inability of upper management to set area wide priorities. The whiplash that our office experienced in having the #1 priority change on a near daily basis. This company has absolutely zero idea of what the word “balance” means. 
This company treats its customers better than its employees. Which for a company that charges upwards of 80% interest on loans with no hesitation, is saying quite a lot. 
Save yourself the headache and trauma of working for regional finance. If you do work for the company, expect little more than being underpaid, overworked, lied to on a consistent basis, and treated unfairly. Especially by anyone and everyone in upper management.

"Boiler room" collection practices in limited work area. Someone over your shoulder at all times. Collect from an account card and hand write documentation on the back (2000+ accts.). "Do not document" any collection activities to a readily available computer account system. Account cards may or may not be on any of seven desks at any time. Makes work slow and hard.

Questionable refinance practices. "Flipping" delinquent loans to meet monthly bonus numbers. This is simply done by increasing the amount of the loan being refinanced to appear as a new loan. Customer folders in the floor and on top of cabinets. Filing months behind. Many cannot be located.

Employees sneak up behind coworkers and scream very loud in hopes to scare them. This was a common practice. Employees take pictures of cash deposit to send out and show friends a "big stack of money".

I applied for my Credit Life and A&H license and it was never completed due not being funded, but yet was told to go ahead and include insurance on finance contracts Was never given an office key limiting my collection time in the evening.

One toilet for seven employees, both male and female.

Some employees do as they please: ie personal business and cell phone use, leave and remain gone for 2-3 hours, absolutely no help from other employees, refuse to take payment after closing time if it is cash.

Ask manager for assistance and get told "we all do it our own way".

Extremely low morale. Felt like going into a dungeon every day. Heads hanging with tails between their legs, except for a couple.

This could be a comfortable place to work if management was applied properly.

I have been in finance for more than 20 years and cannot understand how a branch can continue to function with all of the consumer lending laws we have to adhere to and employees are treated like either a slave or a favorite.
I asked this and was told, "we always make our numbers". Imagine how much better "the numbers" could be if the work environment was more professional, pleasant, and all employees were treated fairly without favortism to some.

I worked at Regional Finance for 6 years.  In that time, i was promoted from Assistant Manager to Branch Manager.  I was suddenly dismissed in August 2016.  Although I was given cursory reasons for my dismissal, I was a productive manager who had met delinquency goals and added more than $700,000 to our branch ledger this year.  I was informed that my departure was not due to any HR reasons, but I am still shocked that I was let go.  This company, while a good one to work for in terms of bonuses and work culture, provided little structured training for it's recruits. When I was promoted to manager, I was simply transferred to another branch.  There was no formal manager training online of otherwise.  It was training by trial and error which results in very mixed results.  

The daily routine involved processing loan applications and calling delinquent accounts to try and resolve the problem.  I had a good team although the lack of formal rules left little room for discipline outside of vaguely worded warnings or write ups.  

I learned the value of structured training at this job.  The more you know, the better you can instill into your co-workers.  The hardest part of the job was not knowing whether any of the internal policies would change from day to day since they updated and procedures (and frequently contradicted policies set out just days before) on a daily basis.

The most enjoyable part of the job was getting delinquent accounts up to date using the various methods at our disposal as well as knowing that we had lent money to people who truly needed our help.

I was excited to start working here.  I quickly learned that this is not the kind of job I thought it was.  This company could care less about you.  We are expected to blow up peoples phones all day every day until we get an application out of them.  Then I was told not to ask their permission, just start asking questions.  Don't ask their permission to run their credit, tell them you are and don't stop unless they tell you NO.  HIGHLY immoral and unprofessional.

Highly competitive within the office, you're supposed to take turns getting loans but only if the manager gives you one.  They assign everything to themselves.  My manager is very rude and makes comments insinuating I'm stupid on a daily basis.  Out of all the RFC managers in the Milwaukee area, 95% are incredibly rude and on a power trip.  Assistant Managers are treated like trash.

The hardest part of the job is being expected to rip off unsuspecting hard working people.  My manager has no problem ripping off sweet little old ladies just to get a loan.  We tell them we have a "better product" for them and then get them a tiny bit more cash and raise their already ginormous interest rate at least another 25%! 

 If you are a "yes" person and enjoy being treated like garbage, this is  THE JOB for you.  This is the worst job and manager I have ever had.  I detest this job and this company and can't wait to find a new job.  Most enjoyable part, punching out at the end of the day to go home!  Worst part, knowing I need to come back in the morning.

Typical Workday
A typical day involves clocking in and making continuous outbound calls, aiming to secure applications and book daily. While the goal is to help clients improve their financial situations, many times we tax on a high interest rate. The work requires constant multitasking to meet daily objectives, and the pace can feel overwhelming at times. Weekly goals that translate to monthly goals, many times unrealistic.

I learned the importance of managing expectations and being cautious with trust in management. While some team members were supportive and easy to work with, there were challenges in leadership transparency. Many time's I was found on the not so great end of the managers opinion about me, despite being #1 in branch and had received many shout outs through the district/company. This is the difficult part about it, can't trust the ones you thought you could trust. 

The bonus structure and payout were very different from what was explained in the interview. To even reach the lower end of the bonus range, the targets were unrealistic, and the top tier felt impossible. Ask detailed questions during the interview to make sure the role and compensation match your expectations.


My experience started off positively during the first couple of weeks, but unfortunately it declined after that. The training period felt far too short, and I did not feel adequately prepared to succeed in the role. As a result, it often felt like employees were being set up to struggle rather than succeed.

The performance expectations were unrealistic, creating a high-stress work environment. Management placed significant pressure on employees to meet goals, and missing those goals often came with threats of disciplinary action, including write-ups or termination.

Workplace culture was also a concern. One coworker consistently displayed an unprofessional attitude toward others, yet this behavior was regularly excused as “just her personality,” rather than being addressed by management.

While the bonus structure was a positive aspect of the job, it was not enough to outweigh the negative aspects of the work environment. Additionally, the attendance and time-off policies were very restrictive. Employees were required to provide a doctor’s note for sick days, had no dedicated sick leave, and were not allowed to use accrued paid time off when ill.

Overall, I would not recommend this company as a place of employment. I encourage prospective employees to carefully consider these factors before accepting a position.

Management is very unprofessional and LAZY. Training is literally only two days of shadowing and then they just throw you in. Don't even try to report anything to a district supervisor because they won't do anything about it. The environment there is toxic. 

Regional does not have a set bonus structure so if you reach it one month, they set the goal higher the next so that you barely get a chance to bonus or get minimum. They make it sound like you'll make money there but that's really not the case. There are a lot of discrepancies with payroll. Sometimes if they make a mistake, you don't receive payout till the next check and you get paid bi-monthly on the 5th and 20th. On top of that, HR/payroll is so hard to get a hold of.

If you're looking for career advancement, this is not the place. You just have to be a suck-up and even then to go from a loan specialist to assistant branch manager it could take 4-5 years. They promise a lot and even when it comes down to the numbers to back you up, nothing ever happens. 

Not recommended if you have kids. Say goodbye to your personal life because this job will take that away. Even if you're clocked out, the toll of the long day of being in this place will make you not wanna do anything the rest of the day. 

Overall worst job EVER.


Top Job Titles	Average Salary
Assistant manager 2 salaries reported	$17.25 per hour
Branch manager 3 salaries reported	$20.00 per hour
Product manager 3 salaries reported	$85,500 per year
Supervisor 1 salary reported	$35,000 per year
Recruiter 1 salary reported	$60,000 per year

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