Pros
Good hearted well-meaning frontline associates. They supply a necessary service for those who can only qualify for sub-prime auto financing.
Cons
Lack of expertise at the leader level.(Director - SVP) I felt at times they were just guessing at strategy. There is no training. You have to figure it out and there is no reward for gritting through the learning curve. My manager had never attended any type of leadership training and by her actions, it was obvious. She would "throw ideas against the wall to see what would stick." Even with her team member's having greater experience, she would not listen to our advice because she was a "Director". I noticed the talented people quickly left Exeter while those with fewer career options or experience stuck it out.