Pros
Strictly as a banker, the specific goals are easy to obtain. Flexibility of not having to be in the branch the whole time, underwriters are actually helpful and can be called upon. Credit Builder Loan product is one of, if not the best product I have seen in banking. Great product to help customers rebuild credit, and a good way to counter no secured credit cards.
Cons
Where to begin. Spotty leadership above DM, think the DM is actually one of the best of I have worked with in my nearly ten years in banking. Terrible technology, focuses to make branch hit plan, not the banker. Too many conference calls that have zero value. At smaller banks, Managers need to bring business in and some managers do not do that instead putting all responsibility for goals on bankers. Terrible operational support. One of the worst. No one knows the answer and you basically have to fend for yourself. Specific area I worked in was set up for failure.