Pros
The pay at Wells Fargo Financial is adequate. You have a base salary and it is divided into an hourly wage, so overtime hours are regularly awarded. The benefits are also very good and affordable. You are given a good amount of vacation days which is ideal, however it is very difficult to actually use them.
Cons
This is the ultimate high pressure sales job. You are given the duty of calling current customers to sell various products to them. This is not bad, however your leads are very few. Most of the outbound calls will be to the same customers over and over, even if they have just said no, or even if they came into the office and were turned down. In addition to this practice, you are urged to deceive customers to get them into the office. Once in the office, you are to get "pre documents" signed, which are credit card applications. Once signed, you are to go back into the office and give them their options. Occasionally you will be able to show a benefit to a customer on an auto loan or a home loan, but more often than not you are offering a higher rate with longer term to show some sort of payment benefit. I will not get into the practices detailed, but I was uncomfortable performing the tasks expected of a credit manager. Additionally, I did not like the micro management that takes place within the company. Not only your branch manager, but district managers as well will be hovering over you while you work. It is an extremely uncomfortable setting, even if you are performing well.