Financial Services Representative

WAC-TN World Finance Corporation of Tennessee; Millington (TN); On-site; USD 23,000 - 26,000; Full time

Benefits offered by this job

Growth opportunities

Promote-from-within culture

Bonus opportunities

Comprehensive benefits

401(k) with company match

Paid holidays and vacation time

Volunteer time

Work-life balance

Job summary

World Acceptance Corporation in Millington, TN seeks a Financial Services Representative to drive loan sales, manage collections, and assist customers with tax services and financial needs. This role requires daily outbound calling, in-person meetings, and closing loans.

You will balance a fast-paced workload, handle difficult conversations, and work toward performance-based earnings and advancement within the branch.

Qualifications

• High school diploma or equivalent.
• Valid driver's license and reliable transportation.
• Ability to obtain required insurance licensing.
• Experience in sales, customer service, collections, or account management with measurable results.
• Ability to handle high-volume calls and difficult conversations.
• Track record of meeting goals in a fast-paced environment.
• Strong communication, problem-solving, and organizational skills.
• Basic computer skills with accurate and consistent data entry.

Responsibilities

• Drive and close loan sales by taking applications, explaining terms, and asking for the business.
• Conduct substantial daily outbound outreach for collections, tax services, and new business generation.
• Manage delinquent accounts by securing payments and setting payment arrangements.
• Contact approved, pending, and former borrowers to drive loan volume and identify opportunities for additional financial products.
• Prepare individual tax returns and assist customers with tax-related questions.
• Assist customers in person with loan applications, tax preparation, payments, and issue resolution.
• Process payments, account updates, tax-related documentation, and document all activity in company systems.
• Maintain accurate records and handle bank cash/deposits as required.
• Follow company policies, complete training, and meet sales/collections targets.

Skills

Sales experience

Customer service

Collections

Account management

High-volume calls

Communication skills

Problem-solving

Data entry

Education

High school diploma or equivalent

Job description

The Financial Services Representative (FSR) is responsible for driving loan sales, managing past-due accounts, preparing tax returns, and working directly with customers to meet financial needs. This role requires daily outbound calling, including high-volume collection activity, meeting with customers in person, and closing loans. The FSR is accountable for keeping accounts current while consistently generating new business. Success in this role requires the ability to manage a fast-paced workload, handle challenging conversations, and meet performance goals across sales, collections, tax services, and branch operations, with opportunities for performance-based earnings and advancement.

Compensation $17- $19 per hour, based on experience and location, plus performance-based bonus opportunities. Total earnings increase with strong individual and branch performance.

Why Join World

• Strong growth opportunities – Many of our leaders, including executives, started in this role
• Promote-from-within culture – A large percentage of team members advance into leadership roles
• Performance-based earnings – Bonus opportunities tied to branch results
• Comprehensive benefits for all stages of life – Including major medical, dental, vision, life insurance, long-term disability, and free mental health support
• Retirement and time off – 401(k) with company match, paid holidays, and vacation time
• Community focus – Paid volunteer time and a strong commitment to giving back
• Work-life balance – Predictable schedules with a focus on time outside of work

Essential Duties and Responsibilities

Drive and close loan sales by taking applications, explaining terms, and asking for the business Conduct substantial daily outbound customer outreach for collections, application follow-up, tax services, and new business generation; thrive in a high-volume, phone-intensive environment Manage delinquent accounts by securing payments and setting payment arrangements Contact approved, pending, and former borrowers to drive loan volume and identify opportunities for additional financial products and services Prepare individual tax returns, gather and review required documentation, and assist customers with tax-related questions in compliance with company policies and applicable regulations Assist customers in person with loan applications, tax preparation services, payments, account questions, and issue resolution Process payments, account updates, tax-related documentation, and document all activity in company systems Maintain accurate and compliant records, including timely credit denial letters and required tax documentation Handle and balance cash, and complete required bank runs to deliver deposits Follow company policies, procedures, and regulatory requirements Complete required training and meet performance expectations for sales, collections, tax preparation, and account management

Basic Requirements

• High school diploma or equivalent
• Valid driver’s license, reliable transportation, and current insurance
• Must be able to independently perform all required bank runs, including transporting deposits, without relying on non-employees for transportation
• Ability to obtain required insurance licensing

Experience & Skills

• Experience in sales, customer service, collections, or account management with measurable results
• Proven ability to handle high-volume calls and difficult customer conversations
• Track record of meeting or exceeding goals in a fast-paced environment
• Strong communication, problem-solving, and organizational skills
• Basic computer skills with accurate and consistent data entry

Preferred Backgrounds

• Experience in banking, retail, restaurants, hospitality, collections, call centers, insurance, healthcare front office, or similar customer-facing roles is preferred.

Physical and Environmental Requirements

• Office based role with standard lighting and noise levels
• Regular in-person attendance during scheduled work hours is essential; occasional extended hours or weekend work may be required based on business needs
• Combination of stationary work and regular movement throughout the office, including occasional walking, standing, bending, reaching, and similar activities
• Occasional light lifting, pushing, or pulling of office materials (generally up to 30 pounds)
• Ability to perform computer work, handle documents, and communicate information effectively
• Fast paced environment with shifting priorities and deadlines; requires professionalism, adaptability, collaboration, and multitasking
• Frequent interaction with customers and coworkers; must communicate clearly and professionally in person, by phone, and electronically
• May assist with general office upkeep to maintain a professional environment
• Occasional local travel to offsite locations and banks as required for business purposes

It is the policy of World Acceptance Corporation to provide equal employment opportunity (EEO) to all persons regardless of age, color, national origin, citizenship status, physical or mental disability, race, religion, creed, gender, sex, sexual orientation, gender identity and/or expression, genetic information, marital status, status with regard to public assistance, veteran status, or any other characteristic protected by federal, state or local law. The duties listed are the essential functions of this position. Reasonable accommodations may be made unless they create an undue hardship to the Company. Physical and environmental requirements are representative of those needed to successfully perform the job.

For over 60 years, World Finance has been helping customers focus less on the unexpected expenses of life, and more on what makes life so sweet. In doing so, we offer personal installment loans that suit the specific needs of our customers while simultaneously delivering outstanding customer service. We are always looking for great people to join our team. Located in 16 states, our network of branches work to provide good to the communities around them. World Finance has been recognized as a Top Workplace in the USA, and we are looking forward to having new team members to join us and be a part of our continuous growth!