financial representative

branch manager

customer service representative

coordinator

collection representative

World Finance

It's a tough business. If you're not being cursed out by rude and braindead customers, your supervisor and upper management are at your throat. They don't pay overtime and you're expected to work off the clock. Most people higher up have never worked a day in their lives in a branch so they set unrealistic goals that MUST be met. You have to make hundreds of collection calls a day to people who usually don't even pick up the phone, and if they do, most of the time they'll just keep telling you they'll pay it the next day, then the next day, etc. until they charge off which looks bad on you. You're responsible for customers paying back their loans, even when they can't afford to. The software you use is confusing and difficult to learn; it's a blue screen with a bunch of combinations of words and numbers which is extremely tiring to look at all day. Hours are terrible and you have to work some Saturdays by yourself. World prides itself on being available all the time for customers who need financial assistance, meaning you have no life outside of work. They're open on most holidays (for example, we only got Christmas Eve and Day off while every other similar profession got at least a few more days, if not a whole week). During tax season there are a few weeks when you're open an extra hour every day, including Saturdays that are open an extra three hours. Managers are salaried so they can leave whenever they want and take longer lunch breaks if they want to, then get mad at you for not finishing the massive amount of work required every day. They say they want to work as a team, yet they'll be scrolling on Facebook and gossiping with other managers over the phone while you're left with doing everything. When the auditor comes around, be prepared for an awful day. He/She will deduct points for the most idiotic things; I've heard horror stories of them taking out tape measures and measuring how high off the ground the posters are. Yes, there's a policy surrounding that. Many of their policies go against my morals, such as harassing former borrowers to reopen and references for customers who aren't paying back. The work I put in never feels appreciated and they tend to focus more on what you're not doing than what you are doing.

Giving credit where credit's due, my manager is alright. She's hard on me but that's only because she wants us to earn a bonus every month and to avoid getting yelled at by upper management. I feel like she has my back most of the time, especially when people higher up don't. I've worked under a couple different managers, and she's by far my favorite (others had their boy/girlfriends hanging out in the office every day, ridiculing me for my political and/or religious beliefs, questioning everyone's sexuality, and hiding in the back to avoid work). The company paid for our branch to go out to eat during December and supervisors sometimes pay for lunch if they're friends with the managers. Benefits are also not bad.

All that being said, the negatives heavily outweigh the positives. If you're looking for a temporary and/or starter job, I'd say maybe give it a shot if you have (or want) a backbone because it can be brutal. I leave from work exhausted every day and have little to no time to myself. I've gotten some good experience with credit analysis and taxes but dealing with rude customers on a daily basis and people higher up who don't listen to a word you say has made me start looking for another job.

I did not enjoy this job. I’ve worked some pretty miserable jobs, but this one undoubtedly takes the cake. My manager viewed her management position as open range to do whatever she pleased. However, management is just the opposite. We had zero work ethic in common. She would be gone for several hours on her lunch break, literally coming and going as she felt necessary.  I felt as though I carried the office by myself because even when she was there, I’m not sure what she was being paid to do. I wish I were being dramatic.  I was trained inconsistently and had no previous experience in collections, so I basically taught myself with minor help. I could go on and on.  The benefits were wonderful, but the compensation is low for the work load expected. My starting pay was inconsistent with the sum I originally applied for upon being hired. Raises are mentioned in the job offer letter, but that’s if you can complete the ridiculous training they expect you to complete, which is absolutely not possible when you are short staffed. Most of the customers are insanely rude and have zero patience in the loan process, they literally believe it can be done at the snap of your finger. That’s probably the most tedious part of the job, if we aren’t including phone file. I didn’t enjoy harassing people at all. The DM wasn’t horrible although I felt frantic when she was around. She was unaware of the management issues I was experiencing and of the way our office worked in general. I was originally told 9-6 Monday through Friday, some Saturdays. Then tax time came and the hours were extended. I looked past it because it was understandable although I did bring it up to the manager. She chuckled and said “yeah, that’s how they hook ya!” I said yeah, and that’s how people quit also. Once hours went back to normal, she then tells me per company policy a person would have to stay late each week. Had I not left, I would’ve eventually been fired because I wasn’t staying late. It was more time than I was willing to put into that place. The hours are just insanely inconsistent; they want you to have no family or life outside of the job. All in all, I wouldn’t recommend. If anything, maybe a temporary job.

I worked here almost a decade and wasn’t even told goodbye when I finally put in my notice. The last year I was here I got cornered and pushed out of the company over silly things. My Career started off great. I was young and dumb and full of hope. A go getter in my opinion. I wouldn’t say I had a bad professional relationship with my boss but it definitely should have been more than what it was for the amount of time I worked here. The lack of support and motivation at this job slowly drained me and made me become a very different person. I am still a people person thank goodness and I LOVED MY CUSTOMERS! They were the best part of the work day minus the delinquent calls but hey that’s part of the job. Tax season was my favorite and my office always exceeded goals set and did very well for being a smaller branch... but again not getting ANY recognition was really upsetting and my branch took it personal because when the office wasn't doing well We were the first to get in trouble or counseling but when we were doing well my boss never even mentioned it. Over the years this company has went downhill and it's taken some great employees with it just because of the poor upper management and unrealistic standards for this area. I had a great staff in my branch and we were the employees who never called in and always took  our vacation time off to work around the offices needs but when I actually needed specific days off for personal reasons it caused issues because then someone from a different office would need to cover mine and that wasn't fair to them. The offices are way understaffed and this company doesn't prepare ahead for when someone quits or has an unexpected emergency/leave. This company expects way to much from one individual but doesn't care when that individual needs something from them. Over worked and under appreciated.... 8 out of 10 employees quit because of their bosses. Keep that in mind if you ever decide to set foot in this company.

This company is a joke. Not only do they rip off their customers with ridiculous rates and insurances, but also their employees. You have to work under a lazy manager who won’t even answer a phone call, let alone help take care of a customer when need be. They get upset if you need to leave somewhere, even though your receive an hour lunch a day. But here’s the kicker, you never get it. Why? Well; because your manager gets upset because they’re afraid they’re gonna have to do a little work. You constantly work hours that you don’t get paid for. Most of the time if you have overtime, you have to take those extra hours off another day so you only have 40 hours. But my manager always alters my time and makes it look like I’ve left when I’m still there working. So all of my hours worked are for NOTHING! And I was afraid NOT to submit the time at the end of the week cause I wouldn’t get paid. Supervisors also tell everything that you tell to them in CONFIDENCE about your problems. Maybe if the company spent less time worried about this or that; and actually looked into stuff like that then they wouldn’t have so many upset employees. They set unrealistic goals and want you to collect money from people that you didn’t even approve in the first place. They whine about growing and gaining new customers but continue to whine and cry when you can’t collect them. You have to close out loans that the manager is suppose to close out and they make you leave the forms blank so they can sign them later. This place is awful, and I’m telling this to any future person who may want to apply, please don’t. You’ll hate your life forever. I know I have since the day I started.

What is the best part of working at the company?
Nothing much...  the only thing I can think of is the big banquet at the end of the year... but you can do everything right and still not make it for an award...

What is the most stressful part about working at the company?
Managers are gone more than they work.. leaving the associates to keep the offices running.  Vice presidents are really strict and change things on a dime... and they never streamline anything.  It's always push push push.. and no reward.. if you miss a goal by just the tiniest thing... they will most likely fire you.. or they will keep for years and years and then fire you to change the demographic of the offices..  if you are a male, don't even think about working for advancement... you can do everything for them and make them so much money and run Offices but they will never give a management position to a male.. they will choose a female who just started over a male who has been there for years..with a proven record for constant growth..

What is the work environment and culture like at the company?
There are better places to work that actually appreciates their associates and rewards them as well

What is a typical day like for you at the company?
Open the store.. do most of the work while your manager is either  gone for the day.. or they get their hair and nails done or go to the tanning salon on company time..and u have to cover for them...or they come in late and leave early and use kids as an excuse when they have daycare and babysitters all the time.. and vp and supervisors know nothing about it..

A typical day as a financial service representative. 
I open office promptly at 830 am, collect drop payments left from the previous night put them on managers desk (they have to apply those) open branch computer check emails, while trying to answer the incoming calls & take care of the customers needs. Hold system for auto pays so the customers don’t accidentally gets phone call from branch (it takes home office about 6/7 hours to apply the online payments so it’s important to check emails and hold accounts) after emails are check, check for online applications/ call customers to finish applications (online apps are basically starter applications to get basic info) verifiy applications out, take payments, stay up to date on policy changes (they change often) make sure tax training is also done and stay on top of that. (We also file taxes, which are pricey) solicit renewals on accounts, and fb loans. Close loans, notate system with contact info, job info, call past due customers. Ask customers to leave a google review, solicit every contact. Find a way to be active in our small community, (make sure you don’t get overtime doing so) at the end of the day balance your own draw and pull reports. I’d say the hardest part of the day is just struggling to get everything done. They don’t like giving overtime but expect you to help other branches & your own branch hit delinquency supervisor often wants you to work late night and Saturdays. The pay is low for all you have to do

World Acceptance started off fairly well, but within the first 30 days, three promises made to me were broken: no late nights, no weekends, and easy bonus.

Still, if you enjoy the work, it was a good place to be -- but there is no loyalty at all among 2nd tier managers (the company equivalent of District Manager). They will give 300 chances to one person for no obvious reason, and stomp all over someone else without so much as a warning because . . . well, just because, based on my own experience and those of a few other former employees. And you don't even get a chance to argue your case, or the courtesy of a head's up. You're just gone.

So, basically, if you get a good supervisor/DM, things are probably going to be okay. But that's a big 'if' and even then, it's still no guarantee. In the space of 10 days, I literally went from being asked 'is there anywhere you wouldn't move if we promoted you' to 'you did this thing once so we're letting you go.' There was nothing in between. Not a single thing. It was -- it was heartbreaking, but also a bit of a relief, because the work/life balance was heavily skewed toward work (like, an 80:20 ratio) to maintain all the necessary office functions with no help, and even that got few thanks and little appreciation. As with everything, it's a judgement call should you have the chance to work for them, but there seems to be little loyalty for the employees, regardless of work or tenure.

Final analysis: high risk, little reward

Working in the office with my manager was exciting and she taught me a lot. We would do our phone calls and plan how we were going to meet standard before the end of the month. Once the calls were done my manager would show me something new that I did not know. I worked with one other co-worker and she was very nice as well and we all three worked very well together. 
The hardest part of this job was when the supervisor came into town or called. She did not know how to approach her employees. It always seemed like what we did in the office, even when we met standards, was not good enough. The thing that bothered me the most there was when I called in sick because I had the flu. My manager was very understanding but the supervisor questioned everything about it. I had missed two days and in the law it states that it has to be more than three days before you need a doctor note. She told me I needed one and that I could not call in anymore. I cannot predict when I was going to be sick so the job just got harder with her constantly asking me about my time off and vacation time and saying I needed to do more to help the office when my manager that works with me in the office said I was doing great. 
The best part about this job was the people I got to help when they had no where else to go and working with my manager she honestly taught me a lot.

A typical day at work would consist of completing a collection call lists between the hours of 8:30am-11:00am. The call lists contained anywhere from 100-150 accounts daily. We were required to take loan applications over the phone as well as set arrangements on accounts for customers who had difficulty making payments on their accounts. I learned how to manage accounts, how to accurately pull and read a credit report and how to resolve customer issues meanwhile making the customer feel confident in my ability to resolve their issues. I worked for the company for about a year and a half and during that time, I had 4 different managers. I will say that I had the best work environment with the last manager I worked with. The hardest part of the job was collections. It is difficult to get a person to comply with the contracts they've signed as far as making on time monthly payments, which then affected our deliquency reports at the end of the month. The most enjoyable part of the job was meeting,interacting, helping, and building relationships with the customers. It felt good to be able to relieve a little of their stress due to whatever financial difficulty they were experiencing.

The company is very management oriented, forget about the ones that do ALL the work. Management talked to me any way they wanted and when you call the supervisors to report it , they don't believe you. You bust your butt for nothing, pay is a joke, bonuses are a joke too. The work environment not good at all. You either kiss hiney or your out. The entire management and most supervisors are a joke. They operate they want to not the company way. Managers don't go by the book, and when supervisors come they are the most hiney kisseres I've seen. But once they leave talk about them really bad. The upper management is always trying to find dirt on the managers. And what is a BSR. Always gossip about their customers, fellow employees, trying to get in others business. A manager always said horible things  to me just to make me mad cause he thought it was funny. Not equal opportunity. Don't really train you properly, most have to figure things out for themselves. I would not recommend this place to my worst enemy. The VPO needs to be a freaking man ! Says one thing to make you happy then does the opposite. Really needs better training company wide, back to basics, hire better managers who know how to treat employees and their customers. Need to quit talking about everyone.

Top Job Titles	Average Salary
Financial representative 5 salaries reported	$16.40 per hour
Branch manager 3 salaries reported	$44,000 per year
Customer service representative 4 salaries reported	$16.00 per hour
Coordinator 2 salaries reported	$15.00 per hour
Collection representative 2 salaries reported	$16.00 per hour

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