The culture of the company is good until things get shaky, then the quality degrades quickly. The company utilizes antiquated software and is unwilling to invest what it should into tech and R&D. The company walks the thin legal line at every level possible, in offerings to customers as well as how employees are treated, in a negative fashion. Salaries are terrible, the company-wide incentive/commission program is a joke, and workload expectations are much higher than the company pays for. There are tons of products that the company could offer to boost employee commissions and overall profitability, but no action is taken in offering anything new (stagnant business practice). Employees are bound to insider trading laws, though any "insider" info is made very difficult if not impossible to obtain. No employee stock benefits. Overall the company pinches every penny it can, mostly at the expense of employees making a decent wage. Facility conditions are mixed, some offices are really nice (and used to promote the company) and then there are some offices with terrible conditions, ie. no kitchen, no break room, poor ventilation, poor climate control, lack of necessary utilities. Basically this is a company that says it "tries" but really isn't much good at accomplishing much besides painting a facade.
I would hire a better upper management staff. I would also make sure that the upper management had to take ongoing refresher courses so that they would remain fresh to their staff, rather than becoming stale and self-serving.
Management at my company is under a lot of stress to reduce to spending and improve profitability, while being forced to close offices, sell loans and reduce staff. I feel as though they are doing the best they can with the hand they were dealt.