Low pay. Sales is tough because of the account rules. Raises are all growth based so if the branch isn't ahead, then the employees get jobbed really bad. Often times management fail to recognize high caliber employees and instead promote/ give raises bases on old boy network. No room for growth... Positions within office are made up to make people think they are moving ahead. Management is usually out of it and don't know what's going on in the industry. Oh and the salary is usually horrible. This place is a job, not a career. Unless you have no ambition or unless you dedicate most of your time to brown nosing, not generating business. CH's sole dedication is to the stock price and that's all. Any appearance of concern for employee happiness is a joke.