Financial Services Representative (Overstaff)

World Finance; Muscle Shoals (AL); On-site; USD 21,000 - 23,000; Full time

Benefits offered by this job

Health Insurance

Dental Insurance

Vision Insurance

Life Insurance

Paid Holidays

Job summary

World Finance seeks an Overstaff Financial Services Representative to support multiple branches within an assigned region. You’ll step in where needed, delivering exceptional service and helping customers achieve their financial goals.

As an Overstaff FSR, you’ll be a flexible problem-solver, a trusted team player, and the welcoming face of World Finance wherever you go. Daily duties include processing loan applications, handling payments, and maintaining accurate cash drawers.

Qualifications

• Demonstrated self-confidence, organization, and adaptability.
• Kindness, compassion, and helping others succeed.
• Team-oriented approach with willingness to pitch in and lead by example.

Responsibilities

• Provide onsite support to multiple branches as assigned, filling in for open or short-staffed positions.
• Guide customers toward upward credit mobility through responsible financial choices.
• Deliver top-tier customer service by assisting with questions, concerns, and available products.
• Process and prepare loan applications, documents, and renewals accurately.
• Take and process customer payments.
• Prepare and execute loan closings on current and renewal loans.
• Balance assigned cash drawer daily and ensure all transactions are accurate.
• Complete daily branch bank deposits and, as needed, transport funds to and from the bank.
• Maintain strong customer relationships and represent the company’s values in every branch supported.
• Collaborate with Branch Managers and team members to meet performance goals.

Skills

Customer service

Adaptability

Teamwork

Communication

Basic computer skills

Job description

World Finance, a five-time winner of the Top Workplaces USA award and Newsweek’s America’s Greatest Workplaces for Parents & Families in 2025, helps customers meet their financial needs and unlock their financial good. We’re seeking an Overstaff Financial Services Representative to join our dynamic team and support multiple branches as needed. In this role, you’ll step in where you’re most needed, providing exceptional service, building relationships with customers, and helping them achieve their financial goals. As an Overstaff FSR, you’re a flexible problem-solver, a trusted team player, and the welcoming face of World Finance wherever you go. The Overstaff Financial Services Representative (FSR) provides critical onsite support to multiple branch locations within an assigned region. This position assists Branch Managers in maintaining smooth operations, delivering exceptional customer service, and ensuring branches meet growth goals. The Overstaff FSR steps in where needed to uphold company standards, provide seamless customer experiences, and strengthen branch performance.

Hourly Pay: $15 - $17

What You’ll Do:

• Provide onsite support to multiple branches as assigned, filling in for open or short-staffed positions.
• Guide customers toward upward credit mobility through responsible financial choices.
• Deliver top-tier customer service by assisting with questions, concerns, and available products.
• Process and prepare loan applications, documents, and renewals accurately.
• Take and process customer payments.
• Prepare and execute loan closings on current and renewal loans.
• Balance assigned cash drawer daily and ensure all transactions are accurate.
• Complete daily branch bank deposits and, as needed, transport funds to and from the bank.
• Maintain strong customer relationships and represent the company’s values in every branch supported.
• Collaborate with Branch Managers and team members to meet performance goals.

Other duties include but are not limited to:

• Calling approved and unmade applications to close loans daily.
• Supporting tax services and helping build tax clientele.
• Sending complete and accurate credit denial letters within 30 days from the date of application.
• Paying branch expenses as instructed by the Branch Manager.

Travel Requirements & Coverage Area:

Reliable transportation for daily travel to assigned branches and bank deposits. Daily travel between branches will be required; specific coverage areas can be discussed with the hiring manager. Team members are compensated for authorized travel time in accordance with company policy, including overtime calculations where applicable. Mileage reimbursement is provided for business use of personal vehicles, excluding normal commuting.

Experience That Will WOW Us!

• Demonstrated self-confidence, organization, and adaptability.
• A history of kindness, compassion, and helping others succeed.
• A mindset focused on quality, problem-solving, and openness to new ideas.
• Team-oriented approach – willing to pitch in, learn, and lead by example.
• Basic computer proficiency and comfort learning new systems.
• Valid driver's license and access to a dependable vehicle.

Why World?

• Growth-minded culture: 80% of our Financial Services Representatives are promoted to management.
• Proven career paths: 75% of our Operations Executives began in similar roles.
• Community connection: Paid volunteer hours each year to give back.
• Comprehensive benefits: Health, dental, vision, and life insurance available to full-time team members beginning the 1st of the month following 30 days.
• Work-life balance: Paid holidays, vacation time, and 401(k) with company match.
• Belonging & purpose: Join a team built on respect, collaboration, and genuine care.
• Be home for dinner: Your life outside of work is a priority.
• Make an impact: Help customers build stronger financial futures every day.

Who Is World?

Since 1962, World Finance has helped millions of people unlock their financial good. We champion financial wellness and celebrate the hundreds of thousands of customers achieving better credit each year. Based in Greenville, SC, World serves over one million customers annually through personal loans and tax preparation services. With 1,200+ branches across 16 states, we’re proud to be the financial partner with heart — offering customer-focused service rooted in teamwork, community, and care.

Physical Demands and Working Conditions:

Frequently stationary with regular movement throughout office environments. Occasional climbing, kneeling, bending, twisting, and reaching. Occasionally lifts up to 5 lbs. and may exert up to 30 lbs. of force. Requires regular use of vision, hearing, fine motor skills, and verbal/written communication. Fast-paced, high-demand environment requiring professionalism and adaptability. Frequent travel to branch locations; may include extended hours, evenings, or weekends. Standard indoor office settings with typical noise, lighting, and temperature. Frequent customer and coworker interaction; must communicate clearly and professionally. Regular, reliable attendance and punctuality are essential.

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!