Pros
They do appreciate the sales people thankfully. Directors are good in that regard and they want to see everyone doing good. The comp plan is good, you can hit 1.5%, its definitely not easy but at least it is possible occasionally. If they like you anyway. The leads are good. They have mail and digital leads. They generate a lot of calls with loan mailers, more than any company I've seen. But keep in mind you're either on one side or the other, mail or digital. Systems are mostly smooth. Americors online reputation is good. They get settlements fast so less cancels but it comes with the challenge of quoting shorter terms. 30-42 months for most clients but it does work. Managers really aren't that bad but they are basically corporate die hards. They're really pushy especially with OT and defenders of all Americor policy no matter what even if most reps disagree with a lot of it. But thats basically every company just dont bother bringing up any disagreements fr. Waste of energy.
Cons
There's a lot of issues. If you're an experienced DC just know you're going through 5 week training, and its really even longer before you get decent lead flow. Youre going to be on minimum wage for months and maybe a few commissions from outbounding or 8k units. Its way too long of a struggle getting by for that many months to see money for an industry that already has a long ramp up period. I wouldn't refer anyone here because of it. Its HARD to clear a million..not necessarily because leads are bad, there's simply not enough calls to go around. hitting 30 units is spectacular here. They seem to be constantly hiring and adding too many reps. I'm on digital side though. Mail calls are much higher volume but close less. You basically have to work every weekend to make money because this is when most reps are not working. Its the only time when there's enough calls volume. Comp metrics changes every month it seems like. Comp is based on contact rate. Very debatable system, you can work more to get paid less. In general If you dont hit 1.5 tier, pay is pretty average for a sales job. No communication at all about what's happening. They change things all the time and there's never a company email explaining it. Nobody ever knows what's going on with ever changing policy. If youre new to this space its going to take probably a year before you do well, youll be stuck on low tier leads its rough. And dont be naive about company propaganda. Firstly, these clients are the worst compared to any industry. Yes you help people save insane time and money and its rewarding but you'll quickly learn how bitter most people are about losing their credit cards. God forbid they can't acquire more debt.. Secondly Americor has one of the highest fees in the industry. They use attorneys in fee cap states which makes the fees double what clients will be quoted from some other companies. This especially matters in digital because if someone clicks on an ad, social media retargets people for the same products. Often with attorney states youre going to lose clients simply because they click another competitors ad and get quoted thousands of dollars less. "Helping families" by charging them double what they actually have to pay in their state? They are on you about OBs which would normally be fine but its too difficult to manage your own pipeline. They clear your leads every 72 hours, you can't save enough of them for later. Its non stop assigning leads instead of just managing your own pipeline. The problem is they give no lead info in the tank, DNQs, people who said NO 3 days ago, it all goes in the tank. Only info is debt load, credit score. Not even lead source. All reps target large files obviously but clients get bombarded with calls, it upsets a lot of then and wastes your time. There's no way to be effecient unless you make your own list i guess. Lastly I'll agree with some of the past reviews, there seems to be a positive bias toward female employees. There's a bunch of ladies in management and on the floor who are all part of the same specific community and it certainly appears they take care of each other as they all ride the top together somehow... Sales is not equal opportunity employment, we all know that and office politics will never change but the applicant should be aware. They'll always close 2-3 deals in a day when everyone else barely gets calls. Skill? Definitely a factor but when its all of them at the same time, its sus of partiality.
