Everything you are told about the company is misleading. They will tell you they provide you with warm leads, and that you will never cold call. However, that's as unrealistic to say as it is to believe. Trust your gut and know this cannot be true. The cold truth is you will be calling a list of clients that have been called for years by every new hire since they started lending to investors in 2006. Although this is an obstacle that can be easily overcome by a seasoned sales person, I think it sets the pace for how poorly this company performs for its employees. The most frustrating thing about working for this company is knowing it could be great, but the management is not interested in making improvements. There is no leadership. Expectations are monitored through micromanaging. The guidance is extremely limited, even when you scream for help or change. I was frustrated by the lack of leads and discovered the abundance of new customers actively seeking the product that exist in the system and flow in daily. However, marketing and lead distribution is very poorly managed and no effort is spent on improving it. So, I cherry picked the database until they created a rule preventing it. The management is so focused on achieving their goals they have blinders on to the obstacles that exist and prevent their company from the obvious changes they could make to improve anything. To be clear, as an employee you will never feel valued. Your voice will never be heard. You will be tied to a phone and micromanaged into the ground. You will struggle to get paid even when you are successful. You will face more obstacles from within the company than you will from the investor you are qualifying. Even if it's a temporary position you accept only to attain stable income, beware. You are signing up for the most frustrating and miserable place you could ever work. That is difficult for me to say, but experience proved it to be true. Everything is limited. Your time on the phone is rigidly monitored over your performance. Your benefits are terrible. The training is ineffective at best. You will never be supported. The turnover is atrocious. The management has no interest in your success. All the recourses are dedicated to the existing top performers, and will never be used to help you. Basically, if you are thinking about turning them down for a position you were offered, you should be running away. Don't waste your time unless you are a glutten for punishment.