I love the above post's naivety that ARMs are there to help. This will identify me, but I don't care at this stage, since off to much better things for me than ERAC. One hot August night last year I was able to track down a deadbeat casher who was about to be converted (the guy hadn't been in to pay in quite some time and his contact numbers were no longer working). At more than just some personal risk, I was able to get the car back with police assistance (they arrested him on the spot for meth dealing, assault and theft). My ARM, the socially inept Donnie Daniels, was so grateful that instead of thanking me he gave me a condescending lecture on proper underwriting, even though he knew I didn't open the ticket on the deadbeat. Moreover, I never received any acknowledgement of my recovery from Rod Scannell and Mindy Dodds - great class guys! - or from Bill Mustard and the crew in loss control, and I still await the dinner my branch manager promised me as a thank you for his writing the ticket on the guy.

I still feel burned over the whole thing because it was all hushed up to save my manager's face for poor underwriting. The funny thing is that I used my resourcefulness to save the branch several thousand dollars and never really got thanked. So, please spare use the lectures about how current and former ERACers bash the company should put more into the company to get more out of it. Thanks.