Pros
If you are a hard worker, with realistic expectations of what you 'deserve' for your job peformance, then AGFS is great. I am loyal to the company, do a lot that is asked of me, and have been greatly rewarded for it. Those who complain are treated exactly the way they should be. Yes, sometimes good people get a raw deal, but most do not.
Cons
Antiquated systems (just got phone payments a few months ago). Also, every employee in the branch having the same job(lend/collect) isn't very efficient and compliance/organization suffers. Job specialization would be a welcome change.