Consumer Lending Associate

Mariner Finance; Torrance (CA); On-site; USD 59,171,000 - 76,936,000; Full time

Job summary

Mariner Finance in Torrance, CA is hiring for a customer-focused role that blends service and sales responsibilities. You will handle loan applications, analyze credit information, and proactively address past-due accounts to provide workable solutions.

Strong communication and MS Office proficiency are essential. The position offers a base salary within the posted hourly range plus a competitive monthly incentive and comprehensive benefits for full-time employees.

Qualifications

• Minimum two years of experience in a customer service or sales role.
• High school diploma or equivalent required.
• Reliable transportation required for branch work.
• Excellent written and verbal communication with customers and staff.
• Ability to learn financial services programs and meet deadlines.

Responsibilities

• Provide exceptional customer service and present loan solutions.
• Process credit loan applications and analyze financial information.
• Proactively contact customers with past due balances to offer solutions.
• Meet or exceed individual and branch sales goals.
• Learn applicable federal, state, and local consumer laws for compliance.
• Maintain a cash drawer and deliver daily deposits as required.
• Perform additional duties as needed to support branch operations.

Skills

Customer service

Sales

Communication

MS Office

Education

High school diploma

Tools

Microsoft Office

Job description

Base Salary Range

USD $20.65 - USD $26.85 /Hr.

Join Mariner Finance!

Base + Incentive:

This role is eligible for a competitive monthly incentive based on individual and company performance. The base salary offered within the posted range will be determined based on a variety of job-related factors, including relevant skills, qualifications, experience, and internal equity.

Since 1927, the Mariner Finance family of companies has provided customers with creative, flexible, and convenient lending options. Headquartered in Baltimore, Mariner Finance operates coast-to-coast with physical locations in over half the states. With a growing number of employees, superior customer service remains the cornerstone of our business, and we pride ourselves in delivering a variety of loans with an enhanced focus on exceptional service. We work with customers to find options that are beneficial to their specific needs, which is why we are recognized by our customers as one of the community’s consumer finance companies of choice.

Benefits:

For information regarding our benefits, please visit: https://www.marinerfinance.com/careers/benefits/

All full time employees are provided with a generous benefits package in addition to their monetary compensation. Learn more about it today.

Job Details

Responsibilities and Duties:

• Provide exceptional customer service by proactively solving problems, presenting loan solutions based on customer needs, and enthusiastically presenting all available sales products.
• Process credit loan applications. Analyzes credit & financial information for current and potential customers.
• Proactively contact customers with past due balances to offer possible solutions and resolve delinquency.
• Achieve consistent results by meeting or exceeding expected individual and branch goals related to the sale of company products and services.
• Learn Federal, State, and Local Application Consumer laws to ensure compliant actions.
• Maintain a cash drawer, including processing payments and delivering daily deposits to specified financial institutions as required.
• May perform additional functions depending on market demand and branch staffing in order to provide consistent quality customer service.

Required Qualifications

• Minimum of two (2) years of experience in a customer service or sales position.
• High school diploma or equivalent.
• Reliable transportation required.
• Excellent written and verbal communication skills with the ability to communicate effectively with customers and company personnel.
• Proficient in Microsoft Office or similar programs with the ability to learn financial services programs.
• Ability to complete essential duties/functions in a timely, accurate manner.
• Demonstrated problem-solving skills and interpersonal skills in demanding situations.
• Must obtain applicable, required licenses to sell insurance products offered to customers by the branch.
• Must perform work related tasks at the assigned branch location except in the event of an emergency as determined by the company in consultation, as necessary, with applicable regulatory agencies

Preferred Qualifications:

• Cash Handling, selling and/or collecting experience.
• Some college coursework.
• Bilingual fluency in Spanish/English.

• One (1) year experience as an Account Representative I for Mariner Finance, LLC or any affiliate or subsidiary, or one (1) year of experience in the Consumer Lending and/or Financial Services industry, with consistent demonstrated achievement of assigned KPIs.

• Has, in good standing, applicable, required licenses to sell insurance products offered to customers by branch.

Hours of Work:

Monday, Wednesday, Thursday, Friday: 9:00 AM-5:30 PMTuesday: 10:00 AM-7:00 PM

Saturday hours required seasonally and as business needs require.

To the extent permitted by law, the Company may, in its sole discretion, change the work schedule to address business needs. Work hours will depend on the business hours of the time zone serviced.

Physical Demands:

While performing the duties of this job, the employee is frequently required to sit for extended periods; reach with hands and arms; operate computer and phone systems; and talk or hear. The employee is occasionally required to move about. The employee is required to be physically present in the office. The employee must occasionally lift and/or move up to twenty (20) pounds. Specific vision abilities required by this job include close vision and the ability to adjust focus.

EEO:

Mariner Finance is an Equal Opportunity Employer and does not discriminate on the basis of race, color, religion, creed, sex, gender, gender identity or expression, marital status, age, religion, national origin, sexual orientation, familial or caregiver status, citizenship status, status as a victim of domestic violence, medical condition, genetic information, pregnancy, physical or mental disability, or status as a disabled or Vietnam era veteran.Employee must be able to perform the essential duties/functions of the position satisfactorily and, if requested, reasonable accommodations will be made to enable employees with disabilities to perform the essential duties/functions of their job, absent undue hardship.Drug/Alcohol/Smoke-free workplace.

This job description is not designed to cover or contain a comprehensive listing of activities, duties, or responsibilities that are required of the employee. Duties, responsibilities, and activities may change or new ones may be assigned at any time or without notice.