Sometimes managers don't do as well as they should in managing expectations. Some credit managers come on thinking that earning VCP (commissions) will be a snap. No, you have to work for it. I don't have a problem with that fact, just that some new hires feel a little lead on. I tell people that if you've never done cold call telemarketing before that this job will feel like it. I have done cold-call telemarketing before and to me this job feels nothing like it. However if you treat this job as though you are a cold-call telemarketer you can do very well. The moving package is okay although not as good as it used to be. I don't like that our pension plans disappeared last year...not sure how that's going to figure into my eventual retirement plans. For 2009 there were several very heavily weighted portions of all us managers' reviews that had to do with company performance and not individual or branch performance. These measures actually made it mathmatically impossible to reach the highest rating, even if one scored perfectly in every single area that they could affect directly. That would definately be a disconnect between upper management and sales managers. It was quite a demotivator.