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Consumer Sales Representative

Are you a goal-oriented individual? Are you looking to start your career at an industry-leading consumer finance organization with an award-winning service team that has ample opportunity for career growth? If you answered yes to these questions, our Consumer Sales Representative position, sounds like a fit for you. Apply with Mariner Finance today!Position: Consumer Sales RepresentativeHours of Work:Saturday hours required seasonally and as business needs require.Full-Time, Non-ExemptTo 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.Supervisory Responsibility: NoneReports To: Branch ManagerIn This Role, You Will:Support branch operations by learning functions of consumer finance and demonstrating proficiency by meeting or exceeding your individual sales and delinquency targets/goals. You will primarily support sales and collections efforts of the branch through respectful, compassionate, and efficient customer service. Prepare to take on increasing responsibilities as you grow in this role and continue growing your career with Mariner Finance!Responsibilities and Essential Duties:• Provides exceptional customer service by proactively solving problems, presenting loan solutions based on customer needs, and enthusiastically presenting all available sales products.• Processes credit loan applications. Analyzes credit & financial information for current and potential customers.• Proactively contacts customers with past due balances to offer possible solutions and resolve delinquency.• Achieves consistent results by meeting or exceeding expected individual and branch goals related to the sale of company products and services.• Learns Federal, State, and Local Application Consumer laws to ensure compliant actions.• Maintains 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 one (1) year 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.• Working knowledge of 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.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.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 of without notice.IND2#R90Compensation: Hourly rate is commensurate with skills and experience. This role is also eligible for a competitive incentive program based on individual and company performance.Benefits: Mariner Finance offers comprehensive benefits to eligible employees, including:• Health Insurance - Health Savings Account (HSA) with employer contributions if enrolled in a qualifying plan, Flexible Spending Account (FSA), and Dependent Care FSA• Vision Insurance• Dental Insurance• Company-paid Basic Life, Long-Term Disability, and AD&D Insurance• Voluntary worksite benefits including Accident, Critical Illness, Hospital Indemnity, Short-Term Disability, Supplemental Life, and Supplemental AD&D Insurance• 401(k) and Company Matching Contributions• Paid Time Off - full-time employees may accrue a minimum of 120 hours per year• 11 Paid Holidays• FMLA• Employee Assistance Program (EAP)• Paid Parental Leave• Referral Incentives• Education Assistance Program• Complimentary FIMC Membership Plan• Access to industry-specific training programs• Certain roles may qualify for additional benefits such as Relocation Assistance, Debt Assistance, Cell Phone Reimbursement, and Travel/Auto Reimbursement. Contact careers@marinerfinance.com for additional information.Benefits provided are consistent with applicable state laws and Company policies. Eligibility may vary based on full-time or part-time status, location, or management level.For additional information, please visit: https://www.marinerfinance.com/careers/benefits/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.Mariner Finance, LLC | NMLS #166564

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What You Should Know About Consumer Sales Representative, Mariner Finance

Are you looking to kickstart your career in the exciting world of consumer finance? Mariner Finance is on the hunt for a motivated and goal-oriented Consumer Sales Representative to join our dynamic team in Pikesville, MD! In this role, you'll be instrumental in supporting branch operations by mastering the ins and outs of consumer finance, all while providing exceptional customer service. You'll engage with customers to understand their financial needs and present tailored loan solutions, showcasing our diverse range of products. As you assist with credit loan applications and reach out to customers with past due balances, your compassionate approach will help resolve issues while driving our sales forward. With Mariner Finance, you can expect to grow your responsibilities and expertise in an environment that encourages career advancement. Your contributions to meeting branch goals will not go unnoticed, as we celebrate success and reward hard work! If you possess strong communication skills and a knack for problem-solving, our branch operations would truly benefit from your enthusiasm and professionalism. This full-time, non-exempt position offers competitive compensation along with a comprehensive benefits package that promotes work-life balance. If all this sounds like your ideal job, don’t hesitate—apply today and embark on an exciting journey with Mariner Finance, where your future is bright and full of possibilities!

Frequently Asked Questions (FAQs) for Consumer Sales Representative Role at Mariner Finance
What are the responsibilities of a Consumer Sales Representative at Mariner Finance?

As a Consumer Sales Representative at Mariner Finance, your primary responsibilities include providing top-notch customer service, processing credit loan applications, proactively contacting customers with delinquent balances, and striving to meet individual sales targets. You'll also learn the essential federal and local consumer laws to ensure compliance, maintain a cash drawer, and support branch operations to create a seamless customer experience.

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What qualifications do I need to apply for the Consumer Sales Representative position at Mariner Finance?

To be eligible for the Consumer Sales Representative role at Mariner Finance, you should have at least one year of customer service or sales experience, alongside a high school diploma or equivalent. You’ll also need reliable transportation and strong communication skills. While not mandatory, previous cash handling and sales experience or bilingual fluency in Spanish is preferred.

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What can I expect in terms of compensation and benefits as a Consumer Sales Representative at Mariner Finance?

Compensation for the Consumer Sales Representative position at Mariner Finance is hourly and commensurate with your skills and experience. In addition, you'll be eligible for a competitive incentive program based on both your individual and the company's performance. Mariner Finance offers a comprehensive benefits package, including health insurance, a 401(k) plan with company matching, paid time off, and education assistance to support your career growth.

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What does a typical work schedule look like for a Consumer Sales Representative at Mariner Finance?

As a Consumer Sales Representative at Mariner Finance, your typical work schedule may include Saturday hours on a seasonal basis, along with regular weekday hours based on the branch’s needs. The specific hours may change to better serve our customers, and flexibility is key to thriving in this role.

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How does Mariner Finance support the career growth of Consumer Sales Representatives?

Mariner Finance is committed to supporting the career growth of new hires in the Consumer Sales Representative role by providing a clear path for advancement. As you gain experience and skill in consumer finance, you’ll have opportunities to take on increased responsibilities and explore various career paths within the company, backed by robust training and development programs.

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Common Interview Questions for Consumer Sales Representative
What strategies do you use to provide exceptional customer service as a Consumer Sales Representative?

To excel in customer service as a Consumer Sales Representative, I prioritize active listening to truly understand the customer’s needs. I employ problem-solving techniques to present tailored loan solutions and ensure follow-up communication to support customers throughout their financial journey.

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How do you handle a difficult customer situation?

In handling difficult customer situations, I remain calm and empathetic, aiming to understand their perspective. I ask clarifying questions to get to the root of their issue and then work collaboratively with them to find a suitable solution, reinforcing my commitment to their satisfaction.

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Can you describe your experience with sales targets?

I have successfully met and exceeded sales targets in previous roles by setting personal goals aligned with team objectives. I focus on understanding the products well and creating tailored pitches that resonate with customers, fostering trust and encouraging them to make informed decisions.

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What interests you about working in consumer finance?

I am drawn to the consumer finance sector because it is dynamic and provides direct impacts on customers' lives. Helping individuals navigate their financial options and find solutions that suit their needs is incredibly fulfilling and motivates me to excel in this field.

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How do you ensure compliance with consumer laws and regulations?

To ensure compliance with consumer laws and regulations, I stay informed through ongoing training and by reviewing relevant legal resources. I also actively apply what I learn to day-to-day tasks to guarantee that all customer interactions remain within legal and ethical boundaries.

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How do you prioritize your tasks as a Consumer Sales Representative?

I prioritize my tasks using a systematic approach, focusing on immediate customer needs and branch goals. I create a to-do list at the beginning of each day, categorizing tasks into urgent and important, which helps me manage my time effectively and ensure I meet performance expectations.

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What experience do you have with financial services software?

I have worked with several financial services software programs in previous roles, where I confidently processed transactions, managed customer accounts, and documented interactions. I am eager to learn and adapt to new systems, which is essential in the fast-paced financial environment.

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What role does teamwork play in your success as a Consumer Sales Representative?

Teamwork is essential for a successful Consumer Sales Representative. I collaborate with my colleagues to share insights, strategies, and resources, which fosters a supportive work environment. By working together, we can leverage each other's strengths to drive branch success and cultivate positive customer experiences.

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What do you believe are the key qualities of a successful Consumer Sales Representative?

Key qualities of a successful Consumer Sales Representative include strong communication skills, an empathetic approach to customer interactions, the ability to handle objections, adaptability to changing situations, and a results-oriented mindset to consistently achieve sales targets.

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Why do you want to work at Mariner Finance specifically?

I want to work at Mariner Finance because of its reputation for prioritizing customer service and its commitment to employee growth. The comprehensive benefits and development opportunities available reflect a company culture that values its workforce, making it an ideal place for me to start my career.

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Mariner Finance provides hard-working consumers responsible access to credit through respectful, compassionate, and efficient service. Mariner Finance looks to build lasting relationships through superior customer service and to be recogniz...

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December 17, 2024

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