Pros
Great benefits which encourage eating healthy, living a healthy lifestyle and you are rewarded for doing those activities. Tenured MLO's will quickly be forced to do more on their loans than any other lender and the new lender will learn how not to do mortgage lending.
Cons
Absolutely HORRIBLE processers and processing times. The way they handle loans, even with a new loan system is not efficient. There is very little management with the processing teams, which are not incentivized to close loans (they are only paid on dispositioning loans: funding loans or denying loans), so they have no skin in the game. Upper management talks a big game, but seem to be waiting and maxing-out their 401k, before they cash-out and retire. I never thought making the move to Fifth Third would be as bad as it turned out.