So, we’re — if they’re going to rise at some point, I don’t know whether it will even fall or it will be sometime after that, but we’re preparing ourselves for that eventuality as well, and then the only other thing I would say in certain segments, you are going to see this as the segments expand and something like transportation, I mean a good approval rate in it for a transportation flow is (inaudible). So, I think we need to be careful that we don’t apply 65% or 70% as the standard to all flows in small micro-ticket, because it’s not true. There are certain — franchise should be up in the 60% to 70% range. It’s more like the core business at Marlin, but transportation and there are other segments where the size of the potential flows is so great that as much as you tell people, I don’t want to do that kind of business, they show to you anyway. So, you end up having approval rates that are in the — I think in transportation, if we [recorded] 50% or 55%, we would be highly happy with that. ——————————————————————————– Brian Hogan, William Blair – Analyst  ——————————————————————————– And then one last one. In your prepared remarks, you mentioned that if you execute you’d be towards the top end of your origination targets. What are the risks for your origination targets? I mean you’ve — I mean, $460 million to $480 million is kind of, what has to happen to get to — at the bottom end of the range? ——————————————————————————– Ed Siciliano, Marlin Business Services Corp. – EVP & COO  ——————————————————————————– The only risk that I see Brian, is that, we just had a conversation about credit quality through the door, if that were to diminish.
For the original version including any supplementary images or video, visit Edited Transcript of MRLN earnings conference call or presentation 29-Jul-16 1:00pm GMT
The Best Job Hunting Advice On The Web
No one wants to be unemployed. It is hard to go to a lot of interviews and have people dash your hopes. Finding a job does not need to be hard though. Follow these tips to re-enter the workforce soon.
When you want to get a job, you need to dress your best, even if the job doesn’t require you to. You’ll be viewed as more qualified if you dress properly. You don’t need to go all out in every circumstance, but dress for the part even when you’re just dropping off a resume or application.
When job hunting, talk with people you’re already acquainted with. See if they are aware of any job leads that match your background. This is the best place to start, as employers are more likely to take a second look at someone who has been recommended.
Try to avoid conflicts at work. Establish yourself as a team player. It will also make you a good candidate to move up in your company and possibly take on management roles.
Continue to learn and grow. Business practices, as well as technology, are always changing and evolving. descriptionTo keep employers interested in you, they need to see that you care to stay on top of things at all times. Certain classes and seminars might be available to you. The more you’re able to learn, the better you can market yourself to people that you wish to work for.
You can use a certain type of form that helps you fill out applications much easier. Often times, you’ll be required to furnish contact information and dates that you don’t remember. It is a good idea to write all of the information down on a cheat sheet. You will be better able to fill out the application with ease.
Dress for success when heading to an interview. Have a well groomed appearance and job-appropriate clothing. You will be judged by your neatness, so make sure you are presentable.
If you need to hire someone, be patient. You want to find the right person when hiring a new employee. Making this mistake can result in a great deal of regret and a lot of money wasted on an employee that provides little benefit to your company.
Use social media in your resume writing. Social media is widely used in business, and showing you know what you’re doing can make the right impression.
Companies are about making money. As you prepare for your interview, and even as you finish up your resume, figure out how you can word things to show how your talents could lead to additional revenue for your potential employers. Companies desire to have more than just an honest and rational person.
If you lose a job, try to sign up to get unemployment benefits immediately. Waiting too long can mean a delay or denial of benefits. Sign up right away so that all the red-tape and paperwork will have time to process before you are penniless.
Your vibe is key to interview success. You must remain positive at all times, and smile at the person who is interviewing you. This will leave your interviewer with a good impression of the aura that you give, which can be the deciding factor in whether or not you land the job.
Now that you have read this, you should be able to see that hunting for a job does not have to be disappointing like it used to be for you. You will see how well the advice above can help you in your job search. See how it helps you land your dream job.