The man has not done a thing for the bank in the last 4 years, yet he gets raises. As a former employee and I left on my own, he is a loser. There is no forward thinking in the bank and that's why they r in the position they r in now. In the short period of time I was there, they thought they can do business as usual while the whole world is changing. There is no new products, they do not use the systems they have to the full potential in other words cheap! Every department looks out for themselves and is afraid to say anything about the other. . Too much micro managing. I spent 3 yrs there and i'm glad I got out.I was not going to asked to stay when M&T took over. Paramus is like children gossiping. If the merger falls through HCSB is in bad shape. Yet Hermance gets more money. The bank was lucky someone bought them or maybe not. HSCB is not built to survive on their own anymore.