They hire knowing there is not enough work to keep you busy, Lack of pay and what they promised to make up for the pay in bonus and OT does not happen. Lack of experienced management who knows what they are doing. QC department that picks on every small detail vs knowing how to get a loan purchased and move on. MOST OF ALL, there is NO training. You are left out in to figure and fend for yourself the M&T Bank way. Lots of useless weekly meetings and the only ones that stay are the long time employees are have no experience working in a "real" mortgage company to know what is right and wrong.