Overall, AGFS is a good place to work.
Pros
The pay is higher than competitors, benefits are outstanding, and the family-like small branch atmosphere is what keeps employees hanging around for an entire career.
Cons
AGFS is a company that is performance-driven. No matter if the goals that management set out are actually obtainable, you will be micro-managed the more and more that you cannot reach goals until it just gets unbearably annoying and agitating to the point that many quit. That is what they want you to do. Senior management seems to have "moods" where they will become lenient on loan approvals for a while then go back to the tight lending again for a while. That gets very annoying too. Field calling is not my favorite either (going to delinquent customers' homes to collect payments). There can be competition within the branch to the point employees may even argue over who gets a loan application. That is how bad some employees want to meet their goals, but most of the time it is not possible to exceed or even meet goals set for you.