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Great benefits, good retirement options and general employee support systems. Solid foundation when it comes to business structure and organization.
Lagging technologically when it comes to business operations. Legacy systems and emulated command prompt style interfaces are still very commonly used, and there is a great diaspora of systems in place with a lot of overlap.
Advice to Management
Update and reduce the number of systems and databases being used. This will greatly increase the day-to-day efficiency of staff at the branch level.