Pros
Competitive base salary Decent benefits with good 401k match and vacation time Historically a company that put the needs of the customer first and supported their employees (prior to the financial crisis)
Cons
Poor incentive plan. 2009 they did not pay any loan production incentive to their loan officers no matter how much was produced. There is no incentive for other lines of business to refer you business and the computer system is slow and offers no real value in prospecting. You will be prospecting for 90+ percent of your business by yourself. The retail platform is not competitive with larger institutions and there is little walk in business both for teller as well as banker transactions. The company will change focuses, underwriting, and employee treatment regularily and is managed with a very short term focus. The management is under constant pressure because of poor company performance and they will quickly change what product they would like you to push and are quick to move to a performanance plan including termination.