Pros
-seemingly higher starting wage than most jobs of this nature for Utah -incentive structure can be lucrative if you can focus on lending -company provides decent bonuses/holiday gifts -coworkers will be knowledgeable and helpful, management can be very hit or miss-at higher levels, be prepared for some drink the kool-aid thinking -some members are just lovely people, and fun to help and interact with
Cons
-position can be very stressful/chaotic, you are working as a bank teller, loan officer, call center support, and online tech support all at once. -learning curve for the position is steep because of this, it is impossible to train effectively in a short time for the breadth of this position. Training opportunities and quality are based on management discretion, and some are far better at this than others. -performance is almost solely judged by how much you lend, leading to member service issues because people don't want to focus on customer service-they aren't incentivized as well for that, and their value to the organization is not based on their effectiveness with that either, which means many tasks not related to lending are not performed effectively, or need to be cleaned up which takes time away from lending. -staffing issues-my location was extremely busy and understaffed the entire time I worked there, meaning there was little time to focus solely on lending/training, and also limited ability to take time off/use benefits without it being a hassle. You will also work Saturdays, and at my location, we did not have time off for working those, unlike at other locations. This time off rule did not apply to my management however, who did as they pleased despite the understaffing. Every person doing this job in my branch was actively looking/interviewing for other positions while working here. -incentive structure seems great, but many of the loan calls/online loan apps are funneled to a team working in corporate, leaving everyone else working in branches to spend time fighting over scraps, or alternatively, closing other people's loans for them. Be prepared to cold call people for loans in that case. -Management can be very "do as I say, not as I do." Rules regarding cell phone usage, taking time off, leaving early, and socializing at work seem to only apply to hourly workers, not to management. Some are excellent at their jobs and set a good tone, some very much take advantage of the lack of oversight with their position. -Kool-Aid culture-Organizationally, there is one way to do things, and you had better be prepared to do things their way. Any disagreement or hesitation or honest concern is likely to be dismissed/turned against you if it runs counter to the company culture. -Advancement within the company, as with many smaller companies, seems largely based on having personal/friendly relationships with your superiors.