Pros
- You're not Silo'd, and can maintain or built new relationships in any region the bank has a footprint in. - As far as "accessibility" goes, you can easily pick up the phone and reach anyone in the organization. - This bank is constantly looking for new M&A Targets. So, there's a place to relocate anywhere in the state of Texas, if you wish.
Cons
- It's not a thought leader organization, typically lagging behind other commercial banks in its peer group. Specifically, when it comes to things like credit products; underwriting techniques; technology and training for new associates. - Many of the individuals in leadership positions were legacy acquisition employees from the various M&A's. However, the majority of the M&A transactions were the result of acquiring smaller community banks, not true commercial banks. Meaning much of the legacy leadership experience comes from backgrounds which aren't in middle market banking.