Pros
The benefits were pretty good, time off sick time and vacation are well above average, about 12 days of vacation and 6 sick days from the start of employment.
Cons
In my particular branch it was the most hostile work environment I have ever seen. I was called every name under the sun by my Assistant Manager and this person would speak to the Branch Manager the same way. The BM would just ignore it. I had tried multiple times to communicate with my BM that the AM's actions are damaging to my ability to do my job and are obviously against company policy yet nothing ever happened, as a matter of fact I was told directly by my BM that since the AM meets quota (loans) then there are things that the BM is willing to tolerate(typical sales environment). My BM has thrown things around the office, my AM has thrown things at my BM, my BM has threatened me if I were to contact HR, the list seriously goes on and on. Not to mention the compliance part of our job, IE: only a certain amount of calls allowed per day to delinquent customers, how we speak to customers, how we handle customers accounts, etc. The branch that I worked out of payed no attention to any compliance regulations at all! We are only allowed to call delinquent customers 6 times per day yet I had witnessed both my BM & AM calling more than that, also , we are not allowed to leave more than 1 message per day, yet again, I had witnessed both my BM & AM leaving 3-4 messages per day. After having enough, I consulted with my District Manager and informed him of all issues, he basically just fed me the typical lie of "I'll look into it" and that was that. Even while my DM was in our office the AM & BM would be doing exactly what I explained to him they were doing and he would not notice it(ignore it). Understand that this company has multiple internal audits done in their branches, therefore, if your branch or co-workers are not following the rules and get caught, they then fail the audit and if your branch fails an audit you go 6 months without bonuses!!! Basically if your co-workers or managers choose to break the rules YOUR salary will pay the price! I have witnessed both AM & BM talk to our customers in the most condescending manor, ridiculing them, and basically strong arming them to do things that they shouldn't in order to make a loan, or collect an account. IE: telling customers to not pay certain bills to pay us, telling customers that they will not work with them because the customer didn't answer our calls, screaming at customers, cursing at customers, speaking inappropriately about co workers to the customers, slamming phones on the table if a customer cant hear them clearly, or having customers fax documentation, identification, pay stubs, proof of housing etc, days after closing the loan(you have to verify this info BEFORE closing the loan). As for work flow, I was progressively given more administrative tasks(paper work) and virtually no time at all to solicit new customers. I spent the majority of my day making collections calls and be advised that you will not see "collections" listed as part of the job duties on their employment ads. As for the pay, a bill collector makes on average $15/hour with a Loan Officer making about he same. You can go do those jobs and only have to do those jobs individually, or you can work for OneMain Financial, do BOTH of those jobs daily, and get paid anywhere from $1-$3/hour less.....that's 2 jobs for less pay than 1. At the end of the day I was let go due to my "sales numbers" I guess anybody can be the judge and see if it was the employee not doing their job, or maybe it was the environment, constant beat downs, abusive attitudes, or poor delegation of work that essentially sets someone up for failure by having them file files, or do paper work, or account maintenance all day instead of soliciting, or making them feel as if they're walking into an execution as soon as they walk into the office to begin their day.
