You are a bill collector plain and simple. Targets set so you will not attain them so company will not have to pay incentives. Incentives are budgeted annually, so they must have failure by the employees to not exceed incentive budget. All management is two faced, will be a friend to your face then throw you under the bus. HR will not support employees. You are replaceable is the motto for management. They care zero about you as a human being, especially in the Midwest market. The CEO hides in his corporate office and only cares about the shareholders. Do not work for this predatory lender.