Pros
Things were so much better before the IPO, and the atmosphere was super collaborative. You will encounter your share of brilliant individuals. My advice is to get to know them and pick their brains. So long as you do what is asked of you, and not lag behind the mean in terms of production you will be fine. The snacks and perks are a big plus, too.
Cons
The company before and after the IPO are 2 very different companies. When management at the Credit Department changed it slowly seemed (even from an outsider's perspective) that less-deserving/less-tenured agents were getting promoted along them simply because of their friendships. Those who have displayed the right skillsets tended to be pigeon-holed unless they, too, hobnobbed the right (sometimes underqualified) cliques. There's really a rift between leadership camps within the same floor, and it has been counter-productive because agents start pleasing these "leaders" instead of just focusing on the work. There has been constant mistrust among the employees, and it does get pretty "every-man-for-himself"at times. If you are unfortunate enough to see the Credit Department as your only option to join, do so but just stick to producing the best numbers you can. Anyone you befriend may turn against you in a split second for self-gain. You have been warned.